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Merchant Cash Advances

Advanced Funding Solutions for Your Business

Could your business use extra capital to expand, renovate or advertise? Maybe you’re ready to upgrade your equipment or stock your shelves for a seasonal business spike. If your business accepts debit or credit cards, then a merchant cash advance may be your answer.

Whether your expenses are planned or unexpected, a merchant cash advance from United Business Funding can provide your business with $4,000 to $2,000,000 in as little as 5 days!

Businesses that accept payment cards are turning to merchant cash advances to access quick capital. For small businesses that are just starting out to established mid-sized businesses, a merchant cash advance is a quick and easy way to obtain funding by leveraging your future card sales. We understand that every business is different – that’s why we have multiple products to fit your unique needs.

Premier Advance

Our Premier Advance solution is ideal for well-established business owners with better than average credit.

Preferred pricing and extended repayment options
Minimum of 2 years in business
Excellent credit

Advantage Advance

If you are newly established or credit-challenged, our Advantage Advance resolves your cash flow needs.

Flexible repayment options
Minimum of 9 months in business
Fair-to-average credit

Which Merchant Cash Advance is right for you?

Advantage Advance Premier Advance
Time in Business 9 Months 2 Years
Credit Average Excellent
Minimum Card Volume $4,000 $4,000
Minimum Approval $4,000 $4,000
Maximum Approval $2,000,000 $2,000,000
24-Hour Approval yes yes
5-Day Funding yes yes
Estimated Repayment Period 9 months max 18 months max


How does a Merchant Cash Advance work?

When you apply for a merchant cash advance, we review your recent months of debit and credit card processing to determine an approval amount. Then, we advance you capital that you can use for any business expense and pay back through a small, fixed percentage of your future credit card sales. Plus, you won’t need to change your credit card processor.

Since the repayment is a fixed percentage, the amount adjusts to the ups and downs of your daily payment card volume. If you have a good day, you pay back more on your advance. If your sales are slow, you pay back less. In either case, you will have enough cash flow to deal with your day-to-day operating costs. You can even get additional capital before your advance is paid off!

Getting working capital with a merchant cash advance is easy!

Businesses come to United Business Funding for real financial solutions to help with every day challenges. Whether you are looking for a merchant cash advance or a small business loan, chances are we have the funding solution for your business.