Merchant Cash Advance

Invest In Your Future: Get Quick Access To Funding

Benefits of a SmartCap Merchant Cash Advance

Whether you need to buy new equipment or hire more staff, you deserve access to the best funding opportunities available to small businesses. SmartCap Merchant Cash Advance is one of them. Merchant Cash Advance is a type of small business financing option that is based on your company’s cash flow.

Traditional banks like to make things complicated. SmartCap’s Merchant Cash Advance offers you an effective, straightforward funding solution for your small business.

Rapid approvals

Within 2 hours!

Quick money

Receive the money you require immediately.

No need for a personal guarantee

Funding ranges from $5,000 to $2,000,000.

Flexible terms for payments

Pay only what your financial situation permits.

Very simple to qualify

To be approved for a Merchant Cash Advance with SmartCap, you don’t need excellent FICO credit scores, a ton of collateral, or a lengthy business history. Your expected and past credit card sales volume will largely determine if you are approved.

How It Works

Take the worry out of your financial situation when you apply for a merchant cash advance today! The product is designed to fit your business cycle or seasonal sales fluctuation, providing fast access to capital that allows you to make critical business decisions with confidence.

Receive an immediate lump sum payment upfront.

The loan amount is based on your measurable  sales.

Loan payments are made automatically on a daily basis based on a fixed percentage of your anticipated sales, which is known as the Holdback Rate.

Adjustable financing for your business cycle

Because they have fixed payments regardless of how well the business is performing, traditional business loans can be problematic for seasonal businesses or start-ups. With a Merchant Cash Advance from SmartCap, you only pay what your cash flow can support because the repayment amount is based on your continuous sales volume. Additionally, you have the option to make additional loan payments during your busiest months. Then, when business is slow, your payments drop even further.

A fantastic approach for improving your credit

Your FICO score will increase if you routinely make your Merchant Cash Advance payments on time and in full. This puts you in a better position to get future small business loans with better interest rates and terms.