For Merchants
Get funded based on what your business actually earns
A merchant cash advance from Vertex Capital gives your business upfront capital in exchange for a fixed percentage of future sales — not a loan, not a multi-week bank process, and not a decision based only on your credit score.
What is a merchant cash advance?
A merchant cash advance (MCA) is a purchase of a portion of your business’s future revenue in exchange for a lump sum of capital today. You repay through a fixed daily or weekly percentage of sales, so payments scale with how your business is doing — not a fixed installment regardless of a slow week.
Is this right for your business?
Merchant cash advances work well for businesses with steady card or bank sales that need capital faster than a bank can move, or that don’t fit a traditional bank’s credit box. If your business is newer, seasonal, or has had past credit issues, revenue-based funding is often the more realistic path.
How it works
- Apply
A short application and recent bank statements — no extensive paperwork.
- Get a decision
Most applicants hear back within hours.
- Get funded
Funds are typically deposited the same day you accept an offer.
- Repay automatically
A fixed percentage of daily or weekly sales — nothing to track manually.
- Funding amount
- $5,000 – $5,000,000
- Speed
- Decisions in ~2 hours
- What we evaluate
- Revenue & cash flow trends
- Use of funds
- Any legitimate business need
Industries we fund
Most industries, most business models
Contractors and trades, restaurants and food service, retail, transportation and trucking, medical and dental practices, professional services, auto repair, salons, and more. If your business has consistent revenue coming through the bank, it’s worth a conversation.
Find out what you qualify for today
Most applicants get a decision within hours of sending complete statements.