In Advance Capital offers two categories of products (a) Merchant Cash Advance and (B) Revenue Based Funding. A Merchant Cash Advance or MCA is not a loan but is the purchase of future credit and/or debit card receipts of the applicant’s business. A Revenue Based Funding or RBF is not a loan but is the purchase of revenue from sales of the applicant’s business. MCAs and RBFs are not available in all states and are subject to certain eligibility requirements and approval. Pre-Qualification is not a guarantee of approval, but rather the minimum qualification criteria. The cost varies depending on certain factors such as, but not limited to: industry and time in business. Payment frequency and terms vary by transaction and product type. Approval and Funding time-frames vary by transaction and product type. Approval ratio is based on applicants that have a minimum of 3 months time in business and minimum monthly gross sales of $20,000.