Get Approved in

less than 3 hours!



Who Are We?

In Advance Capital is the alternative to the traditional business loan. We’re a direct lender, so we provide small businesses with the necessary working capital to thrive. Our mission is to fund your business as quickly as possible, which is why we offer a streamlined, low documentation application process. Once you apply, you’ll receive a pre-approval within three hours, and funding in as little as one day.

Why Borrow For Your Business?

Your business needs working capital to thrive. There’s no way around it. You’ll need to purchase inventory, maintain/repair equipment, meet payroll, pay off outstanding debt, and hopefully even expand. Whether you need extra capital for typical business expenses or unpredictable emergencies, borrowing money for your business is sometimes completely necessary. Whether your business is thriving or looking for some help, a cash advance will benefit you.

The Alternative To The


Benefits We Offer

Approval within 3 hours
Funding in 24-48 hours
$5,000 to $500,000 Available
Daily, weekly, monthly repayment options
Funding for companies with FICO scores as low as 450
No Collateral Required

Industries We Serve

Contractor Financing
Dealership Financing
Franchise Financing
Health Care Provider Financing
Hospitality Financing
Manufacturer Financing
Restaurant Financing
Small Business Financing
Wholesaler Financing

Why Choose


Approval Rates

Within 3 Hours

Funding In
24 – 48 Hours

Buy Rates

Minimum FICO 450

No Collateral

$5,000 – $500,000

Quick & Easy
Application Process

Repayment Options


Fill out our one page application and send us a few bank statements


Get Approved In Less Than 3 Hours


Get Funded In As Little As 24 Hours

Don’t Call It A


Merchant Cash Advance

Funding structured as a lump-sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales.

Bank Only Program

Our "Bank Only" ACH Funding program means that you can get funded without a merchant account. Most merchant cash advance and business funding companies require that you accept credit cards in order to get funded. We base our approval on your gross deposits into your business checking account.

Small Business Financing

A company's cash flow statements allows us to collateralize and provide financing against your current and future sales.

Bad Credit Business Funding

We don't look at every financial misstep, business or personal that can ruin your chances for approval. That means big things, like bankruptcies, as well as seemingly minor items, like missed bill payments.

Line Of Credit

Not sure how much money you'll need? You can rest assured that whenever the need arises, you'll have money available. You'll never have to worry about unpredictable expenses again.