Funding priced against the revenue you already collect.
Not a loan. We purchase a portion of your future receivables at one fixed cost, disclosed up front.
Two instruments, side by side.
A merchant cash advance is a different legal instrument from a business loan. The difference is not marketing language, and it changes what you owe and when.
Both are legitimate ways to fund a business. We originate only the second one, so the table below states what each instrument does rather than which one is better.
Conventional term loan
Revenue purchase with 365Funds
What it costs
Term loan
An APR that compounds
Charged over the life of the balance, on top of origination and servicing fees.
365Funds
One fixed cost
Agreed before you sign. It does not compound, and it does not grow if the term runs long.
How you repay
Term loan
A fixed monthly instalment
Due on a fixed calendar date, whether or not the month was a good one.
365Funds
A share of daily receipts
A slow week remits less, a strong week remits more, and the schedule follows the book.
What secures it
Term loan
Collateral you pledge
Property, equipment or a personal guarantee, held against the balance.
365Funds
The receivables themselves
You are selling a defined portion of future sales, not borrowing against an asset.
How you are assessed
Term loan
Credit score first
Two to six weeks of underwriting, and a score below the cut ends the conversation.
365Funds
Deposits first
We read the trading history in your business bank account, and there is no minimum score.
Compare the total cost of capital in dollars, not in rate. A percentage cannot be set against a fixed cost, and the two instruments do not price the same risk.
The four lines that matter.
There is no scorecard behind this. These are the only thresholds we apply before a human reads your file.
Time in business
3 moThree months of consistent trading is enough. We are reading the pattern of your deposits, not the age of the entity.
Average monthly revenue
$15,000Measured across your business bank account. Seasonal books are normal and we account for them rather than penalising them.
Business bank account
1One account where the receipts land. We never store bank login credentials.
Credit score
No minimumChecking your options uses a soft inquiry and does not affect your credit score. Verification after you accept an offer may involve further review of the business.
Products are offered for commercial purposes only and are not available in every state. They are not offered in California or New York. Meeting these lines does not guarantee an offer, and every request is reviewed and verified individually.
How the money moves.
Three movements from request to remittance, with nothing hidden between them.
Submit the request
One form, once. Business name, contact, trading history and the amount you are after. It takes about two minutes, and there is no gated multi-step flow behind it.
No documents required to start
What the advance is for.
Working capital, used commercially. These are the reasons operators come to us most often. Drag the strip to read across it.
- 01
Payroll gap
Cover a pay run while a large invoice is still in transit.
- 02
Inventory purchase
Buy stock at volume pricing instead of at the price you can afford this week.
- 03
Equipment
Replace the machine that is costing you jobs every time it goes down.
- 04
Second location
Fund a fit-out and a deposit without pledging the first location as collateral.
- 05
Marketing push
Put spend behind a season you can already see coming in the deposits.
- 06
Tax bill
Clear an assessment on schedule rather than negotiating a payment plan.
- 07
Seasonal ramp
Staff and stock ahead of the quarter that carries the year.
“The bank wanted two years of filings and a score I did not have. These people read six months of deposits and sized it off that.”
“January is slow and the remittance was slow with it. That is the part a fixed monthly payment could never do for a shop like mine.”
Illustrative examples. The quotes above are composites written to show the kind of situation operators bring us, and are not endorsements by identified customers. Individual results vary.
Advance range
$100 to $500KTypical term
6 to 12 monthsPricing
Fixed cost, no APRCredit impact to check
NoneQuestions worth asking.
The answers a funder should be willing to put in writing before you sign anything.
No. A merchant cash advance is the purchase of a defined portion of your future business receivables under a Revenue Purchase Agreement. The amounts you remit are not interest, and the transaction is not credit in the consumer sense. That distinction is why the pricing is expressed as a fixed cost rather than an annual percentage rate.