Merchant Cash Advance

Use your credit card sales to get working capital!

Loan Amounts

$10,000 - $1,000,000

Terms

3 - 18 Months

Rates

12% - 34.99%

Speed

as little as 24 hours

What is a Merchant Cash Advance?

A Merchant Cash Advance is a way for a small business to use their future credit card sales to secure a loan. The repayment of the loan is collected as a percentage of your credit card sales until the borrowed balance is paid in full. For example, if you were to borrow $12,000 over a one year period, and you processed $10,000 in credit card sales per month, you would pay 10% of your credit card sales plus a fee until your balance is paid in full.

This program is great for retail businesses with limited collateral that are in need for a quick financing solution. This is also great for seasonal businesses; loan payments are lower when business is slow and higher when business is booming!

How does the Factoring Merchant Cash Advance process work?

The process for a Merchant Cash Advance is a quick and simple process. With a simple online application, 3 months of bank statements and 3 months of credit card statements, we can have you approved and closed within 24 hours!

Apply Online

SMB Compass's simple and secure online loan application can be completed in a matter of minutes. Quick & Easy!

Get Approval

After we process your application we will contact you and provide you with the best loan offer. 

Get Back To Business

Once your loan is approved in as little as 24 hours. You will have capital deposited directly to your business bank account.

What are the best industries for Merchant Cash Advance?

The best industries for a Merchant Cash Advance are retail companies that process high volumes of credit card sales. If you are a B2B business, this could be great for you as well, you just have to be processing credit cards!

Beauty Salons/Spas

Retail Stores

Auto Repairs & Sales

Landscaping Services

What Our Clients Are Saying

"We cannot express just how grateful we are that we found this company to work with. No matter what finance companies we reached out to for help we kept getting turned away and even at times, no call back. SMB Compass found us the best source of financing that would not just help in the short term, but gave us a solid plan to regain financial independence. We have been able to keep employees working and grow our business."
Tim C.

Massachusetts

"My family business has been around for over 25 years and we are grateful to have been introduced to the SMB Compass team. We’re now growing by 50% per year and without the help of SMB Compass, we wouldn’t have the capital to do so. We started off with a series of 5 year equipment loans and a 5 year working capital loan, and now the SMB Compass team has been able to secure a bank term loan and a $450,000 line of credit, with a bank that’s willing to grow with us!"
Greg P.

New Jersey

"I can’t begin to explain how helpful Matt Gillman and the SMB Compass team has been. I was able to put an operating line of credit in place along with a term facility that recapitalized my business. I constantly tell Matt and his team that they need to figure out a way to show people how different they are then others. I have recommended SMB Compass to family and friends and highly recommend them to any business owner looking for financing."
Fred S.

Indiana

Quick Approval for Your Small Business Loan

$160,000,000+ in financing provided to date. SMB Compass will provide your business with the best loan options available. Apply in minutes. Your results await. 

Friendly 5-10 Minute Introduction
Documentation and Underwriting
Approval and Funding

Frequently Asked Questions

What do I need to qualify?

What are your payment terms?

What are your rates?

How much funding can I get?

How quickly can I access my funds?

Approval in Minutes.
Funding the Next Day.