Merchant Cash Advances
Get immediate access to capital with repayments that automatically adjust to your daily sales volume, ideal for businesses with high credit card transactions or seasonal fluctuations.
Benefits
Access to funds in as little as 24-48 hours
Simple application process with minimal documentation
No fixed monthly payment amounts - payments scale with your sales
Approval based on business performance, not just credit score
No collateral required in most cases
Funding amounts from $5,000 to $500,000 based on monthly sales volume
Eligibility Requirements
At least 3-6 months in business
Minimum monthly credit card sales of $5,000
No open bankruptcies
Current on rent/mortgage
At least 3 months of processing and bank statements available
1
Apply Online
Complete a simple application and provide recent statements
2
Review
Receive a funding offer with clear factor rate and terms
3
Funding
Accept the offer and receive funds as quickly as the next business day
Frequently Asked Questions
How does repayment work?
Repayment happens automatically as a set percentage of your daily credit card sales, or through a fixed daily or weekly ACH withdrawal from your bank account.
Is a merchant cash advance a loan?
No, a merchant cash advance is technically a purchase of your future credit card receivables, not a loan. This distinction affects how the advance is regulated and structured.
What can I use the funds for?
The funds from a merchant cash advance can be used for virtually any business purpose, including inventory purchases, equipment, marketing, payroll, or expansion.
How is the cost calculated?
The cost is determined by a factor rate, typically between 1.1 and 1.5. This means for every dollar advanced, you'll repay between $1.10 and $1.50, depending on your business's risk profile.
Ready To Apply?
Get started with your Merchant Cash Advance application today and take the first step toward growing your business.
We provide streamlined business funding solutions tailored to your company's specific needs and goals.
Quick Links
Contact Information
© Copyright 2025. Ascendio. All Rights Reserved.