Fastest Funding
Same-day capital — the quickest product in our lineup.
Revenue-Based
Funding that flexes
Funding that flexes
with your sales.
An advance against future revenue, repaid automatically as a small slice of daily sales — more when busy, less when slow.
What It Is
Repayment that breathes.
A merchant cash advance gives you a lump sum today in exchange for a small, fixed percentage of your future sales. Repayment is automatic and proportional: when business is booming you pay a bit more, and when it’s slow you pay less.
With minimal paperwork and the fastest approval of any product we offer, it’s built for high-volume card businesses that value speed and flexibility over the lowest possible rate.
Best For
Is this your lane?
- High-volume card and digital-payment businesses
- Restaurants, retail, and seasonal operations
- Businesses needing capital today, not next week
- Owners who prefer payments tied to revenue
- Situations where speed matters more than rate
The Process
How merchant cash advance works.
From application to funded in a few fast, transparent steps.
01
Quick Application
A short form and a few months of statements — minimal documentation required.
02
Rapid Approval
We look at your sales volume and consistency, returning decisions fast.
03
Same-Day Funding
Accept your offer and the advance can hit your account the same day.
04
Automatic Remits
A small percentage of daily or weekly sales is collected until the advance is satisfied.
Rates & Terms
The spec sheet.
| Advance amount | $5,000 – $500,000 |
| Repayment | Small percentage of daily/weekly sales |
| Factor rate | Fixed total cost (e.g. 1.15–1.35x) |
| Speed to fund | Same business day |
| Paperwork | Minimal — fastest approval we offer |
| Credit | Flexible — sales volume matters most |
An MCA costs more than a traditional loan. It trades a higher cost for unmatched speed and flexible, revenue-based repayment.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for merchant cash advance:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Consistent daily card or bank deposits
- U.S.-based business
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Payments Flex With Revenue
Pay more on busy days, less on slow ones. No rigid fixed amount.
Minimal Paperwork
A short application and bank statements — that’s usually all it takes.
Credit-Flexible
Approval leans on your sales consistency, not just your credit score.
No Collateral
Backed by future revenue, not pledged assets.
Use It Anywhere
Inventory, payroll, repairs, marketing — no restrictions on use.
Questions
Merchant Cash Advance FAQ.
Technically no — it’s a purchase of your future sales at a discount. That structure is what allows the fast approval and the flexible, revenue-based repayment, but it also means it costs more than a traditional term loan.
A fixed small percentage of your daily or weekly sales is automatically remitted until the agreed total is repaid. Because it’s a percentage, your payment naturally rises and falls with your revenue.
An MCA is the fastest product we offer — many applicants are funded the same business day they accept an offer, thanks to minimal paperwork and rapid approval.
It’s ideal when you need capital immediately, have strong daily sales, and value flexibility. If you can wait a bit and want the lowest cost, a short-term loan or line of credit may be a better fit.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, merchant cash advance.
Popular With
Need it today? An MCA moves now.
Same-day funding with repayment that flexes alongside your sales. Apply in minutes.
Apply Now