Real Business Needs.
Real Financial Solutions.

866-905-4334


Merchant Cash Advances

A flexible funding solution for your business

Could your business use extra capital to expand, renovate or advertise? Or 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 Business Financial Services can provide your business with $4,000 to $2,000,000 in as few 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

The Premier Advance 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

Whether 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

Quick-Start Advance

Our Quick-Start Advance provides working capital to businesses that are just getting started, are seasonal, or have poor or no credit.

  • No minimum credit requirements
  • Minimum of 6 months in business
  • $25,000 maximum advance

Which Merchant Cash Advance is right for you?

Quick-Start Advance Advantage Advance Premier Advance
Time in Business 6 months 9 months 2 years
Credit n/a Average Excellent
Minimum Card Volume n/a $4,000 $4,000
Minimum Approval $4,000 $4,000 $4,000
Maximum Approval $25,000 $2,000,000 $2,000,000
24-Hour Approval BFS check mark BFS check mark BFS check mark
5-Day Funding BFS check mark BFS check mark BFS check mark
Estimated Repayment Period 3.5 months 9 months max 15 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, there is no 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, well, you pay back less. Regardless, you will have enough cash flow to deal with your day-to-day business functions. You can even get additional capital before your advance is paid off!

Getting working capital with a merchant cash advance is easy!

Merchant Cash Advance Process | BFS

Businesses come to Business Financial Services for real financial solutions to help with every day challenges. Chances are we have a solution for you.

Call 866-905-4334 or click here to get started. We can help you grow your business – your way!