Merchant Loans & Cash Advances

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Merchant Loan Advance

In today’s fast-paced business world, small and medium-sized businesses often face challenges securing the flexible, quick funding they need for growth, managing cash flow, or taking advantage of new opportunities. Traditional loans can be slow and restrictive. That’s where merchant loan advances come in—offering accessible funding tied to your sales, not your credit score.

What Is a Merchant Loan Advance?

A merchant loan advance provides a lump sum of working capital in exchange for a portion of your future sales, typically from credit or debit card transactions. Unlike traditional loans, there are no fixed monthly payments—repayment is based on a percentage of your daily sales, making it more manageable during slower periods.

Why Consider a Merchant Loan Advance?

  • Fast funding: Most businesses receive funds within 24–72 hours of approval.
  • Flexible repayments: Payments are based on your actual sales, not a fixed amount.
  • No collateral required: Ideal for businesses that don’t want to risk assets.
  • Easy application: Minimal documentation and online applications make the process fast.

Who Benefits Most from Merchant Loan Advances?

This funding method is ideal for businesses that:

  • Process regular credit/debit card transactions
  • Need cash quickly for inventory, equipment, or marketing
  • Have seasonal fluctuations and want payment flexibility

Industries like retail, restaurants, and services often use merchant loan advances because approval is based more on sales volume than credit history.

How Repayment Works

  • Percentage of daily card sales: The lender works with your payment processor to deduct a set percentage of each day’s revenue.
  • Fixed daily or weekly ACH withdrawals: If you don’t process many card payments, a set amount is withdrawn directly from your business account.

Eligibility Requirements

To qualify for a merchant loan advance, most lenders require:

  • At least 6 months in business
  • Monthly revenue of $10,000 or more
  • A track record of consistent credit card or daily income
  • No recent bankruptcies or major tax issues

Application Process

  1. Find a lender: Compare offers from reputable providers.
  2. Submit an online application: Enter your business and revenue details.
  3. Upload documentation: Bank statements or card processing reports are typically required.
  4. Get approved and funded: Most approvals are completed within a few business days.

Things to Keep in Mind

Merchant loan advances are best used as a short-term solution. They can help bridge gaps in cash flow or finance time-sensitive opportunities. However, they may not be ideal for businesses with low profit margins or inconsistent revenue, as repayment is frequent and directly tied to income.

The Bottom Line

Merchant loan advances are a modern funding option designed for fast-moving businesses. They offer accessible capital, flexible repayments, and minimal paperwork. If your business needs quick funding and can’t afford to wait for a traditional loan, a merchant advance may be the right move.

Next Steps

Contact Swish Funding today to learn how a merchant loan advance can work for your business. We specialize in fast, flexible financial support tailored to your needs—so you can keep growing with confidence.