Business Funding

Working capital, when you need it.

Cover inventory, equipment, payroll, or growth with a simple application. Approved businesses can see funds in as little as one business day.

Apply now →
Hands holding coins with a small plant sprouting, representing business growth funding

Funding built around your business

Skip the paperwork. We look at how your business actually performs.

Fast approvals

A short application and a quick review. Most merchants hear back the same day, not weeks later.

Funds in ~1 day

Once approved, funding can hit your business bank account in as little as one business day.

Flexible use

Put the money where your business needs it: inventory, equipment, hiring, marketing, or expansion.

How it works

Three simple steps from application to funded.

Apply in minutes

Tell us about your business with a short, no-obligation application.

Get a tailored offer

We review your business and present funding options that fit your volume and goals.

Get funded

Accept your offer and receive funds in as little as one business day.

Is merchant funding right for you?

It’s a fit for established businesses that want capital without the hurdles of a traditional loan.

Loan vs. Cash Advance

A merchant cash advance works very differently from a traditional bank loan.

LOAN
  • Requires a fixed term
  • Typically requires a fixed payment
  • Repayment at an interest rate
  • Requires perfect personal credit
  • Requires a personal guarantee
  • Shows as debt on your credit bureau
  • Generally requires 3 years in business
VS
CASH ADVANCE
  • No term
  • No fixed paymentRepaid automatically as you process card sales
  • No interest rate
  • Perfect personal credit not required
  • No personal guarantee
  • Credit bureau shows only an inquiry
  • Requires just 1 year in business

Ready to grow?

Apply in minutes. No obligation, and no hard credit pull to get started.

Apply for funding →

Funding is subject to approval and underwriting. Terms, amounts, and availability vary by business and are provided through PayConcepts and its funding partners. This page is for general information and is not an offer or commitment to lend.