Quick, flexible funding that scales with your revenue
Revenue-based financing gives your business the capital to grow and thrive, with payback tied to your daily or weekly revenue instead of a fixed monthly bill. Advancery guides you through eligibility and funding.
- check_circleNo Collateral Required
- check_circleSame-Day Approval
- check_circleAll Credit Scores Welcome
Before you apply
What do you need to qualify?
A short operating history is often enough to get started.
Steady daily or weekly deposits are what we underwrite against.
Your revenue matters more than a single credit number.
Revenue-Based Financing
What is revenue-based financing?
Revenue-based financing, sometimes known as a Merchant Cash Advance (MCA), advances funds against your business’s future revenue, purchased at a discount to their likely value.
Payback is made as a percentage of your daily or weekly revenue rather than a fixed interest rate — a fixed cost of capital with a variable time to repay, based on how your business performs. This lets you keep operating in a healthy manner while repaying the financing.
- checkRemittance scales with your daily or weekly revenue
- checkA fixed cost of capital, not a compounding interest rate
- checkOne advisor guiding you from application to funding
Good to know: Revenue-based financing is designed for businesses with steady incoming revenue — it’s not intended to fund pre-revenue start-ups.
Why Advancery
Why is revenue-based financing the right solution?
Businesses have varied needs for capital, and Advancery focuses on growth opportunities — expansion of facilities or equipment, purchase of discounted inventory, or buffering cash flow due to seasonal spikes. We do not fund “band-aid” capital where a business is in trouble.
Revenue-based financing offers an alternative to financing that can be harder to get, such as lines of credit or traditional bank loans. It’s a strong fit for businesses with high card sales volume, high daily deposits, a need for quick funding, or those that may not qualify for other business loans.
The advantages
Why businesses choose revenue-based financing
Access funding without pledging business or personal assets.
Get a decision fast, with funding to follow shortly after.
Apply with no obligation and no cost to explore your options.
Your revenue matters more than a single credit number.
Use funds for inventory, marketing, working capital, and more.
Financing structured around opportunities, not emergencies.
Put it to work
Common uses for revenue-based financing
Extremely flexible, especially in the amount of funding and the payback — a qualified business can usually access capital quickly to cover the following.
Cover payroll, utility bills, leases, and other payables through an unexpected downturn.
Take advantage of significant discounts when supply chains are bloated or a distributor is overstocked.
Cover a broken piece of equipment or another emergency quickly.
Support short-term working capital needs as they arise.
How it works
How the process works
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Apply
Share basic business and revenue details in one short application.
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Review
A specialist reviews your revenue history and outlines your options.
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Approval
Receive a same-day decision on your offer.
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Funding
Sign digitally and funds are disbursed to your account.
Things you’d like to know
Frequently asked questions
How is revenue-based financing different from a loan?expand_more
A loan charges interest over a fixed term. Revenue-based financing purchases a portion of your future revenue at a discount, repaid as a percentage of daily or weekly sales — so payments flex with how your business is doing.
How is my payback amount calculated?expand_more
Your offer includes a fixed cost of capital and a remittance percentage applied to your daily or weekly revenue. Because it’s tied to revenue, the exact payback period can vary with how your business performs.
How fast can I get funded?expand_more
Approval decisions are often made the same day, with funding typically following within 24 hours once your documentation and banking information are verified.
What does my business need to qualify?expand_more
Generally a few months of operating history and consistent revenue, particularly from card sales or regular deposits. All credit scores are welcome, since approval is based primarily on your business’s revenue.
Will applying affect my credit?expand_more
Initial conversations and pre-qualification are designed to have minimal impact. Your specialist will always let you know before any step that involves a credit check.
Can I access additional funding later?expand_more
Yes. As you pay down your balance and your revenue is verified, many businesses qualify for renewal or additional funding without starting the process from scratch.
Ready to apply?
Talk to a funding specialist and see what your business qualifies for — no obligation, no pressure.