Apply
Share entity, amount, and use. Soft inquiry to start.
What this structure is for
An advance against future card or ACH deposits, repaid as a share of intake. We underwrite deposits and existing obligations first — the product name comes second.
Benefits
- Speed over cheapnessOften faster than bank term loans; cost is usually higher.
- Holdback mathRepayment tracks deposits, so quiet weeks pull less — busy weeks pull more.
- Stacking riskMultiple advances can choke the account; we check existing holds.
- Honest disclosureFactor rates and estimated cost of capital are discussed before signing.
When it fits
Card-heavy or ACH-heavy businesses needing speed and able to absorb a higher cost of capital.
When it does not
Thin-margin operators already carrying stacked advances, or anyone seeking the cheapest long-term facility.
Process
How funding usually moves
Review
Statements and obligations decide whether this product — or another — fits.
Fund
Written terms first. Timing depends on the structure and source.
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