Merchant Cash Advance
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Merchant Cash Advance
Faster than traditional loans with no complex applications or strict credit checks.
A business cash advance (BCA) offers unsecured funding to small businesses based on future card sales, giving owners a practical option beyond bank loans. BCA delivers fast access to working capital, enabling businesses to unlock tomorrow’s revenue for immediate use.
Fast unsecured funding available when your business needs it
01.
How funding works
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Factor rates range from 15%–49%; advances are fixed-cost, not interest-based
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Repayment options include Daily, Weekly, Bi-Weekly, or Monthly schedules
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Payback terms are flexible, from 30 days up to 24 months total
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Payments are collected via ACH debit or through credit card split
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Funding can be released as fast as one business day after approval
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Available advance amounts range from $2,000 to $2,000,000 total
02.
Rates are based on
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Monthly revenue trends
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Business operating history
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Personal and business credit
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General financial strength
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Business type or sector
03.
Required Documents
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One-page merchant application form
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Last 3–6 months of bank statements
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Government-issued ID
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Voided business check
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Additional items may include proof of ownership, tax returns, financials, or receivables
04.
Ask Yourself
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Do you currently owe any business debt? If yes, how much and who are the lenders?
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What is your intended use for the funds?
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What’s your ideal timeline for funding?
05.
Good to Know
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Even with poor credit, limited history, or a startup less than a year old, BCAs can still offer you viable funding solutions
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We help consolidate BCA balances to simplify your repayment terms and boost working capital
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Enjoy simple processing, limited documentation, and potential access to funds within 24 hours
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Once halfway repaid, you may qualify for a renewal or additional working capital
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Ideal for companies earning $10,000 monthly and operating for at least six months
Success Stories
Discover how businesses have achieved remarkable growth and financial stability with the support of Stellar Advance Group.
Stellar Advance Group has been instrumental in helping us secure the funding needed to expand our operations. Their dedication to our success is truly commendable.
Emily Robertson
Ready to Grow Your Business?
Connect with our financial experts to explore the best funding options for your business today.