1. Apply in 60 seconds
One short form — no obligation, no impact to your personal credit to get started.
Merchant Cash Advance
Working capital in your account in as little as 24 hours.
Cap Fi arranges merchant cash advances and revenue-based working capital from $5,000 to $500,000 for business owners who need cash now. Minimal paperwork, no collateral required, and credit challenges are welcome.
- /Approvals in as little as 24 hours
- /3 months of bank statements — that's it
- /All credit profiles considered
- /No cost or obligation to see your options
24 hrs
Typical approval turnaround
$5K – $500K
Advance amounts available
3 months
Minimum time in business
All credit
Profiles considered
Funded in four steps.
2. Send 3 months of statements
We review revenue and deposits, not just credit score, and match your file to the right funder.
3. Review your offer
We present the structures side by side and explain the true cost of capital before you sign.
4. Funds in your account
Most approved merchants are funded within one business day of signing.
What Merchants Use It For
Cash where it counts.
- /Payroll and unexpected shortfalls
- /Inventory and bulk purchase discounts
- /Equipment repair and replacement
- /Marketing and expansion
- /Tax bills and vendor payoffs
- /Bridging slow receivables
Questions
Straight answers.
- What is a merchant cash advance?
- A merchant cash advance is a purchase of a portion of your future revenue. Instead of fixed monthly loan payments, repayment is a small agreed amount collected daily or weekly from your deposits, so it flexes with your sales.
- How fast can I get funded?
- Most files are approved within 24 hours of receiving three months of business bank statements, and funded the next business day after signing.
- What do I need to qualify?
- Generally three or more months in business, a business bank account, and roughly $10,000 or more in monthly deposits. Credit challenges, prior defaults and thin files are still reviewed.
- How much does it cost?
- Pricing depends on your revenue consistency, industry and time in business. We show the total payback and effective cost of every offer in writing before you commit.
See what you qualify for today.
No cost, no obligation, and no impact to your personal credit to get started.