Merchant Cash Advance

Merchant cash advances, approved on your revenue instead of your credit

When credit is not where it needs to be but sales are steady, a cash advance can still get you funded fast. It costs more than the other options, so we treat it as a deliberate choice, never a default.

Check what I qualify for Talk to a specialist

Based on: Revenue
Approval: Same or next day
Collateral: None
Repayment: Daily or weekly

How it works in practice

Approval is based on the revenue flowing through your business account, not your credit score.
Same or next day approval, and funding in as little as 7 days.
Repayments come out daily or weekly rather than monthly.
It costs more than a term loan or line of credit. You see the full cost before you sign.
No collateral is pledged.

What you will typically need

Recent business bank statements
Basic business details
Government-issued ID

Rates, terms, amounts and eligibility are set by the lender, not by Nivira Capital. Your specialist confirms the specifics for your file before anything is signed.

Questions

Cash advance questions, straight answers

Not technically. You receive capital up front and repay it from revenue on a daily or weekly schedule. Approval is based on sales rather than credit.

The provider takes more risk by not underwriting on credit or collateral, and the price reflects that. If you qualify for a cheaper product, we put that in front of you first.

Often, yes. A cash advance is based on revenue, not credit, which is exactly why it exists.

Approval can come back the same or next day, and clients can be funded in as little as 7 days.

Other Options

Compare before you commit

Unsecured Term Loans$50K to $500K on personal credit. Startups qualify. Business Line of CreditDraw as you need it. No collateral. SBA LoansLowest rates and longest terms, for strong files. Home Equity Line of CreditLow rates, secured by home equity.