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
Same Day Funding
$5,000 to $2 Million Available
Daily, Weely and Credit Card Split options
Funding for companies with FICO scores as low as 550
No Collateral Required
Expert Financial Advisors
Industry-Specific Solutions

Industries We Serve

Auto Repair Services
Cleaning & Janitorial
Construction / HVAC
Convenience Stores
Dry Cleaning & Laundry Services
Grocery Food Distribution
Law Firms
Liquor Stores
Medical, Health & Pharmaceutical

Why Choose


Approval Rates

Within 3 Hours

Same Day

Buy Rates

Minimum FICO
Score 550

No Collateral

$5,000 – $2 Million

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.

Our application does not require you to provide any private or detailed financial information. Simply provide us with the basic required information and we will verify the cash advance amount you are eligible for.

Your information is kept private and will not be used to solicit to you unwanted products and services.

Your email address will be added to our mailing list, you can unsubscribe whenever you want.

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