Direct funder of Merchant Cash Advance and Invoice Factoring
Working capital, funded from our own book.
We underwrite and fund merchant cash advances and invoice factoring in-house for U.S. operating businesses. Your rate and fees are in writing before you sign, and funds move within a day of signature.
Funded since 2022
$3.2M
across U.S. small businesses
Advance size
From $10,000
quoted file by file
Terms
30 days to 24 months
depending on the product
Underwriting
1 to 2 business days
reviewed by the desk that funds it
Based in Florida, funding nationwide
English, Español, Português
Why owners finance on a plan instead of in a crisis
Payments follow revenue
A slow week costs less than a strong one, so a downturn does not become a default.
The cost is known upfront
Rate, fees and schedule are in writing before you sign. Nothing is added later.
No equity, no waiting
Capital raised against what the business already earns, without giving up a share of it.
Decisions stop depending on the payer
With cash in hand you choose when to hire, buy or take the next job.
Two ways to fund the business
Every file is reviewed by the same people who fund it, so there is no broker chain and no credit committee between you and an answer.
Product 01
Merchant Cash Advance
A lump sum advanced against your future revenue, repaid as a fixed percentage of daily card and bank receipts. If sales drop in a given week, the payment drops with them.
Product 02
Invoice Factoring
Cash advanced against a specific unpaid invoice from a creditworthy payer. Your customer settles the invoice with us, and we release the reserve balance once it clears.
Factoring estimator
What a single invoice can release today
Advance rates run from 60% to 90% of face value, depending on the payer, the industry and how old the invoice is. Move the rate to see the range.
Advanced to you now
$18,750
Reserve balance
$6,250
Released
On payment
This is an estimate. Your advance rate and fee are quoted on your own invoice and payer, in writing, before anything is signed.
Get a real quoteTime to cash
How long the money takes to arrive
The file and the documents are the same in both cases. What changes is who reads them: a credit committee with a queue in front of it, or the desk that writes the check.
Receivables, before and after
One 90-day invoice, followed from the day it is issued to the day it clears.
Day 0
Invoice issued
0%
Day 1
GST advances against it
up to 90%
Day 30 to 90
Payer settles with us
Reserve released
From application to funded
Four steps, with a stated turnaround for each one. If something is going to take longer on your file, we tell you which step and why.
01
Apply
Tell us about the business and what the capital is for.
About 15 minutes
02
Send documents
Bank statements for an advance, or the invoice and A/R aging report for factoring.
Same day
03
We underwrite
Our desk reviews the file directly and confirms your rate, fees and schedule in writing.
1 to 2 business days
04
Sign and get funded
Sign electronically from any device. Funds move to your business account.
Within 1 day
Industries we fund
The businesses on our books today
If your receivables or your daily sales are predictable, there is usually a structure that fits. If your industry is not on this list, send the file anyway.
Who we sit with
Capital that speaks your language, funded in days.
Most of the businesses we fund are Latino-owned, and most of them ran into the same wall at the bank: two years of filings requested, and six weeks to get an answer.
We read the file ourselves, in your language, and we explain how the structure works before you commit to it. We are based in Florida and fund businesses across the country.
Your language, on the phone and on paper
English, Spanish and Portuguese, from the first call through the signed agreement.
No two years of filings required
Six months of operating history and $10,000 a month in revenue is a file we can work with.
Florida roots, national reach
Tampa and Orlando are home. We fund U.S. businesses in any state.
Do you qualify?
These are general guidelines and not a guarantee. Every file is reviewed individually, so get in touch if you are unsure.
6+ months
in business
$10,000+
average monthly revenue
U.S.-based
registered business entity
Active account
business bank account
Let's look at your file.
Five fields. A member of our desk follows up with you directly, in English, Spanish or Portuguese.
Submitting does not affect your personal credit score. We confirm receipt the same business day.
Questions we get before people apply
What is the difference between an advance and factoring?
An advance is repaid out of your future sales as a fixed share of daily receipts. Factoring is tied to one specific unpaid invoice and settles when your customer pays.
How fast can I actually get funded?
Documents the same day, underwriting in one to two business days, funding within a day of signature.
What documents do I need?
Three months of business bank statements for an advance. For factoring, the invoice and your accounts receivable aging report.
Is there a fixed monthly payment?
No. An advance is repaid as a fixed percentage of daily sales, so the amount follows your revenue. Factoring settles when the invoice is paid.
Will applying affect my credit?
Applying does not affect your personal credit score. We tell you before any step that would.
Do you fund outside Florida?
Yes. Florida is our base and where most of our clients are, and we fund U.S. registered businesses nationwide.