Merchant Cash Advance for Small Businesses
Get quick access to working capital by leveraging your future sales — fast, flexible, and designed for your business growth.
Approval based on sales, not credit score
Funding in 24–48 hours
Repay automatically through your daily sales
Find Out How Much You Qualify For
Merchant Cash Advance for Small Businesses
Get quick access to working capital by leveraging your future sales — fast, flexible, and designed for your business growth.
Approval based on sales, not credit score
Funding in 24–48 hours
Repay automatically through your daily sales
Find Out How Much You Qualify For
Fueling Daily Sales with Quick and Flexible Merchant Cash Advances
$70M+
In Merchant Cash Advances Delivered to Small Businesses
3,800+
Merchants Supported Through Revenue-Based Funding
94%
Approval Rate for Retail and Service-Based Businesses
< 4 Hours
Average Approval Time for Fast Access to Cash
Hear From Our Happy Clients
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Requirements to Qualify
It’s easier than you think to get approved for a Merchant Cash Advance. Our application process is designed for business owners who need fast access to working capital — simple, transparent, and quick. Here’s what you’ll typically need:
6+ Months in Business
$10,000+ Monthly Revenue
Business Bank Account
All deposits and repayments must flow through your account.
500+ Credit Score
Credit score is considered, but sales performance carries more weight.
Requirements to Qualify
It’s easier than you think to get approved for a Merchant Cash Advance. Our application process is designed for business owners who need fast access to working capital — simple, transparent, and quick. Here’s what you’ll typically need:
6+ Months in Business
Your company should be operating in the U.S. for at least six months.
$10,000+ Monthly Revenue
A minimum average monthly revenue is required to ensure repayment capability through future sales.
Business Bank Account
All repayments are automatically deducted from your business bank account.
500+ Credit Score
A fair credit score helps verify your financial reliability, but approval is mainly based on revenue performance.
Requirements to Qualify
It’s easier than you think to get approved for a Working Capital Loan. Our application process is designed for real business owners — fast, simple, and transparent. Here’s what you’ll typically need:
6+ Months in Business
Your business must have consistent sales activity for six months.
$10,000+ Monthly Revenue
Minimum sales volume to qualify for cash advance funding.
Business Bank Account
All deposits and repayments must flow through your account.
500+ Credit Score
Credit score is considered, but sales performance carries more weight.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business..
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
How It Works: Simple, Fast, and Transparent
Apply Online
Complete our quick online application — it only takes a few minutes and won’t affect your credit score.
Get Approved
Our team reviews your information and connects you with the best funding options for your business.
Receive Your Funds
Receive your funds the same day and start moving your business forward immediately.
Get the Funding Your Business Deserves
Whether you’re expanding, covering expenses, or preparing for growth — our flexible financing options are designed to move your business forward fast. We’ve helped thousands of small businesses secure working capital quickly and confidently. You could be next.
Is a Merchant Cash Advance Right for Your Business
Merchant Cash Advances provide fast access to capital by using a percentage of your future sales for repayment. Here’s what you should know before deciding if it’s the right option for your business.
Advantages
- Quick funding: Receive capital within 24–48 hours.
- No collateral required: Approval is based on sales, not assets.
- Flexible repayments: Payments adjust based on your daily revenue.
- Easy approval: Great for businesses with limited credit history.
Considerations
- Higher cost: Typically comes with higher fees than traditional loans.
- Daily repayments: Can impact cash flow for slower sales periods.
- Short-term solution: Best for temporary cash needs, not long-term financing.
- Sales-dependent: Your repayment speed depends on your business performance.
Why Choose Chartered Merchant Partners?
We make small business funding fast, transparent, and stress-free — so you can focus on growing what matters most
Fast Approvals
Get approved within hours — not days — with our streamlined application process.
Flexible Terms
Choose the repayment structure that fits your business cash flow.
Dedicated Support
Our funding experts guide you through every step — from application to success.
Transparent Rates
No hidden fees. No surprises. Just clear terms and honest funding
FAQs — Working Capital Loan
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
A Working Capital Loan is short-term financing designed to cover your business’s everyday operational expenses — like payroll, rent, or inventory — so you can maintain cash flow without interruption.
You generally need to show consistent business revenue, at least three months of operating history, and basic financial documentation. Credit requirements are more flexible than traditional bank loans.
Most businesses receive funding within 24 to 48 hours after approval, depending on the lender and how quickly documents are submitted.
You can use it for operating costs like payroll, inventory, rent, or to manage seasonal cash flow gaps — basically anything that helps your business stay on track.
No, the initial application uses a soft credit check, which doesn’t affect your score. A hard inquiry only occurs once you decide to move forward with full approval.
Smart funding for modern businesses.
Flexible options designed for real-world needs.