Get from $5,000 to $200,000 per location.

90% Approval Rate

No tax returns

Typically receive funds in 7 days or less

No application fees

No Closing Fees

No Fixed Payments

Much Easier to Qualify for than a small business loan

Use as an Unsecured Line  of Credit

    An alternative to a small business loan, a Merchant Cash Advance can provide up to $200,000 per location. If you are concerned about your credit rating, this program delivers with a 90% approval rate. To qualify for an advance against your future Visa, Mastercard, American Express and/or Discovery credit card receipts, you need to be processing credit cards for 60 days, be current with your landlord and have no open bankruptcies. You must also process at least $4,000 per month in credit card receipts to qualify.

    The amount you are advanced depends on your business type and generally you can receive 20% to 30% more than your business' monthly processing average.

    When you receive your cash advance you are free to use the money for any business need to have. No additional collateral is required.

    Payback is handled as a percentage of future sales. A % of your future credit card sales is taken until the cash advance is paid back. If you have a slow month then less is paid back. This is a large advantage in managing cash flows when compared to a fixed monthly amount payback. When your advance is paid down you can easily request addition funds. 


    Not what you are looking for? Spotlight Financial LLC has many programs that provide funding. Return to funding programs.

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