An advance against your future sales, repaid as a share of daily or weekly revenue. It flexes when you have a slow month, which is the whole point — and it costs more than a term loan, which is the honest trade.
This is the most expensive product on the site. If a line of credit or a term loan is open to you, take that instead. This is a tool for speed and flexibility, not for cheap money.
These are the ranges we see across our funding partners. The cost is quoted as a factor rate, not an APR — always ask for the total dollars repaid. Terms are set by the partner, not by us.
| Term | Typical range |
|---|---|
| Amount | $5,000 to $500,000, commonly 50–100% of a month's revenue |
| Repayment | A fixed percentage of daily or weekly deposits |
| Cost | Expressed as a factor rate, not an APR — ask for the total repayment figure |
| Term | Not fixed; it ends when the total is repaid |
| Collateral | Usually unsecured, with a personal guarantee |
| Stacking | Most partners will not fund on top of an existing advance |
Ranges are illustrative and are not an offer of credit. Rates, fees, and terms are determined solely by the funding partner and disclosed to you before you sign.
It is quoted as a factor rate, so a 1.3 factor on $50,000 means $65,000 repaid. Always ask for the total dollars, not the rate. We will show you the number before you sign.
It is designed not to — repayment shrinks when sales shrink. But the total cost is higher than a term loan, so it is a tool for speed and flexibility, not for cheap money.
Some partners discount early payoff, many do not. Confirm on the specific offer.
If you qualify for a line of credit, take the line of credit. We will tell you if you do.
Cheaper and more flexible. If you qualify for a line, take the line instead of an advance.
See More →A fixed amount over a fixed schedule, at a lower cost per dollar than a revenue share.
See More →Also fast and also expensive, structured as a fixed short-term loan rather than a revenue share.
See More →Two minutes, no hard credit pull, and a straight answer — including whether a cheaper structure is open to you first.
Check My Eligibility →