Apex Business Loan — Merchant Cash Advance

Merchant Cash Advance

Upfront capital in exchange for a portion of future sales. A practical option for businesses with strong card volume that need quick funding and flexible repayment that moves with revenue.

  • Funding in 24–48 hours
  • Repayment scales with sales
  • Credit-friendly qualification

Advance Your Revenue, Accelerate Your Growth

$5K–$500K
Funding Amount
Daily/Weekly
Repayment (ACH)
1.1x–1.35x
Factor Rate
24–48 hrs
Time to Fund
Merchant cash advance

Is a Merchant Cash Advance Right for You?

If your business generates consistent card or ACH revenue and you need fast capital with repayment that flexes with sales, an MCA can be a practical fit. It's often available to businesses that wouldn't qualify for a traditional term loan.

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How Does It Work?

You receive a lump sum. A small percentage of your daily card/ACH revenue is then automatically used for repayment — so your payments stay proportional to your sales. Slower weeks mean smaller payments.

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How it works

Small business funding in 3 fast|easy|quick steps

Step 1 — Apply

Share a few recent statements so we can size the right advance.

Step 2 — Review Terms

Clear factor rate, clear repayment schedule — no hidden surprises.

Step 3 — Receive Funds

Funds typically hit your account within 24–48 hours.

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