Merchant Cash Advance

Quick capital based on your future credit card sales—perfect for businesses with high card transaction volume.

$5K - $500K

Funding Range

1-3 Days

Fast Funding

Premium Financing

Merchant Cash Advance Overview

Our Merchant Cash Advance provides $5,000 to $500,000 in fast funding repaid through a percentage of your daily credit card sales. Perfect for restaurants, retailers, salons, and other businesses with consistent card transactions. No fixed monthly payments—repayment automatically adjusts with your sales volume. Fast approval with minimal documentation required. Access capital quickly to manage cash flow, purchase inventory, handle emergencies, or seize growth opportunities—backed by our commitment to transparency and service excellence.

đź’° AMOUNT

$5K - $500K

⏱️ SPEED

1-3 Days

📊 RATE

Varies by volume

📝 TERMS

3-18 months

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
500+ (credit card sales volume more important than credit score).
3+ months in business with consistent card sales.
$5,000+ monthly in credit card processing.
4 or fewer (flexible based on sales volume).
Credit card processing volume, average monthly sales, industry type, and sales consistency.
Bank statements (3 months) or merchant processing statements showing card sales volume.

Why Use Black Tie Funding for Merchant Cash Advance

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Ultra-Fast Funding

Get approved and funded in as little as 24 hours for urgent business needs.

Repayment is a percentage of daily sales—slow sales days mean lower payments.

Approval based primarily on sales volume, not credit score.

Simple application with just a few months of processing statements needed.

Payment automatically adjusts with your business revenue—no stress during slow periods.

Unsecured financing based on future receivables, not hard assets.

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