A Merchant Cash Advance, Funded in Days. Money Against the Sales Already Coming In.

A lump sum now, repaid from future sales on a fixed daily or weekly remittance or a share of card settlements. Placed with our funding partners.

See My Funding Options

Merchant cash advance

How It Works
When It Fits
Run the Numbers
What You Need
Check Your Options
Questions

A merchant cash advance is a purchase of part of a business's future sales: the funder pays a lump sum now and collects a fixed payback amount through daily or weekly remittances or a share of card sales. It is not a loan, and its cost is set by a factor rate rather than an interest rate.

$5,000 to $2M

Advance range

1.25 to 1.50

Factor rates on our panel

1 to 24 mo

Remittance terms

24 to 48 hrs

Often funded after approval

Batch Capital places advances with its funding partners and the marketplaces it submits to. The funder is named in your agreement before you sign. Talk to Matt: +1 (201) 862-4048

How it works

The Terms, in Plain Words.

How much: $5,000 to $2,000,000, sized on monthly deposits. The largest files cap near 10 percent of annual sales.
What it costs: A factor rate, 1.25 to 1.50 on our panel as of September 28, 2026. Payback amount equals the advance times the factor. Every offer shows the Estimated APR beside the factor.
How it is repaid: A fixed daily or weekly remittance from the business account, or a split of card settlements through the terminal.
How long: 1 to 24 months, set by the size of the advance and the remittance the account can carry.
How fast: Often within 24 to 48 hours of approval. Complete statements before 2 PM Eastern on a business day fund fastest.
Credit: 500+ on our panel, checked with a soft pull that does not affect your score. Deposits matter more than the score.

Timing depends on the provider, the time of day you apply, and how quickly documents arrive. Files submitted with complete bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.

When it fits

Use It for the Right Job.

A short gap with a known end

Inventory before a busy season, a repair, a receivable that is late but coming. The remittance ends when the payback is reached.

Speed matters more than price

When the cost of waiting a month is a lost contract or a parked truck, a day or two beats the cheapest money.

Credit below a bank's line

The file is read on deposits. A score that closes a bank's door does not close this one.

When Something Else Fits Better.

A planned, long investment

A term loan costs less over a long horizon when the deposits can carry a monthly payment. Term loans

A gap that keeps coming back

A line of credit can be drawn, repaid and drawn again, and charges interest only on what is out. Lines of credit

A truck, a machine or a buildout

Equipment financing lets the equipment carry its own note over its useful life. Equipment financing

Worked example

Run the Arithmetic.

Computed with the same math the desk prices an offer with. An estimate, not an offer.

A $50,000 Advance at a 1.35 Factor.

Remitted every business day over six months. Illustrative inputs inside our panel's range.

Advance: $50,000
Factor rate: 1.35
Payback amount: $67,500
Cost of capital: $17,500
Daily remittance: $519.23 for 130 business days
Estimated APR: 125.9%

The factor alone hides the term. The same 1.35 over twelve months carries a far lower Estimated APR than over six, which is why every offer is compared on Estimated APR and total payback.

Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.

Your numbers

Run Your Own Numbers.

Drag or type any figure. Everything updates together.

Advance amount$

Factor rate (panel runs 1.25 to 1.50)

Term in months

Remittance

Estimated payback amount$69,000

Cost of capital$19,000

Per business day, 130 times$530.77

Estimated APR136%

Simple annualized76%

See what you qualify for

No hard credit pull to apply.

What you need

Have These Ready.

3+ months in business (6 typical)
$10,000+ a month in deposits into the business account
Three months of business bank statements, a voided check and a government ID
No more than 5 returned items or 5 negative days a month for most of the panel

Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.

Where you stand

See Your Funding Options in a Minute.

Tap through a few questions. No hard credit pull, and Matt calls you back with real numbers.

1 of 9No hard credit pull

How much are you looking for?

Commonly Asked Questions

Is a merchant cash advance a loan?

No. A merchant cash advance is a purchase of part of a business's future sales. The funder pays a lump sum now and collects a fixed payback amount from sales. Its cost is a factor rate, not an interest rate, and every Batch Capital offer shows the Estimated APR beside the factor so it can be compared with a loan.

How do you calculate the cost of a merchant cash advance?

Multiply the advance by the factor rate. A $50,000 advance at a 1.35 factor has a payback amount of $67,500, so the cost of capital is $17,500. How expensive that is depends on how fast it is repaid, which is what the Estimated APR captures.

How fast can I get a merchant cash advance?

Often within 24 to 48 hours of approval. Files that arrive with three complete months of business bank statements before 2 PM Eastern on a business day are the ones that fund fastest. Not every file funds in a day.

What credit score do I need for a merchant cash advance?

500 or higher across our panel as of September 28, 2026, checked with a soft pull that does not affect your score. A funder reads deposits first, so steady deposits can outweigh a low score.

How much of a merchant cash advance can I get?

It is sized on the deposits into the business account. The largest files cap near 10 percent of annual sales, about 1.2 months of deposits. The advance calculator on this site runs the same math.

Can I get an advance if I already have one?

Sometimes, but say so up front. An existing remittance shows on the first page of the statements and changes every offer. Taking several advances at once, called stacking, is the fastest way to strain cash flow, so the desk will tell you when a second position does not make sense.

How it works

Funded in Four Steps.

Answer a few questions

About a minute, on this page. No hard credit pull.

Matt calls you

He reads what you sent and tells you what fits before anything is signed.

Lenders compete for the file

Your file goes to the funders it fits. Compare offers on Estimated APR and total payback.

Sign and get funded

The funder is named in your agreement before you sign. Funds land in the business account.

See My Funding Options

Keep Reading

Other Ways to Fund It

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Ready when you are

Find Out Where You Stand in a Minute.

A few quick questions, no hard credit pull, and a person in New Jersey who calls you back.

See My Funding Options Call +1 (201) 862-4048

See my funding options