CAPVANCE
(555) 018-8460 Apply in 3 steps

Capital thatmoves at thespeed of sales.

Working capital from $10,000 to $500,000 for businesses with steady card or bank deposits. Apply in about six minutes, get a decision as soon as the same business day.

Estimate my offer Start application
$214Mfunded since 2016
24–48 hrstypical funding time
6 minto apply
Busy independent coffee shop counter with espresso equipment and pendant lights
Example approved offer $68,000
BusinessCafé, 4 yrs open
Use of fundsSecond espresso bar
Funded in31 hours
RestaurantsAuto repairRetailSalons & spasConstructionMedical & dentalTruckingE-commerceGyms

See what your business could qualify for.

Move the sliders to match your business. The estimate updates instantly and doesn't touch your credit.

  • Minimum monthly revenue$15,000
  • Minimum time in business6 months
  • Minimum owner credit score550
  • Credit check to estimateNone
$60,000
Time in business
640

Below 550, an advance is less likely — but a specialist can still review your deposits.

Illustrative funding range$42,000 – $78,000
Est. factor rate1.22 – 1.34
Est. term6 – 12 months
Est. daily remittance$340 – $520
Est. total payback$51,240 – $104,520

Illustrative only. Not an offer or commitment to fund. Actual amounts, factor rates and terms depend on a full underwriting review of your bank statements, processing history and other factors.

Apply for this range

Three ways to fund the next move.

MCA

Merchant cash advance

An advance against future card sales, repaid as a small share of daily receipts. Slow day, smaller payment.

Amount
$10K – $250K
Term
4 – 14 months
Repayment
% of card sales
RBF

Revenue-based capital

Fixed daily or weekly ACH from your business account, sized to your average deposits.

Amount
$15K – $500K
Term
6 – 18 months
Repayment
Daily or weekly ACH
LOC

Business line of credit

Draw what you need, when you need it. Pay only for what you use and redraw as you repay.

Amount
$10K – $150K
Term
12-month revolving
Repayment
Weekly on balance

Built for owners who can't wait on a bank.

Traditional bank loan

  • Weeks to months for a decision
  • Tax returns, projections and a business plan
  • Often requires collateral or real estate
  • Strict credit score cut-offs

Capvance

  • Decision as soon as the same business day
  • Four months of bank statements and a short form
  • No real-estate collateral required
  • Approval weighted on revenue, not just credit

Apply in three steps.

No obligation, and applying won't affect your personal credit score. A funding specialist reviews every file personally.

  1. Tell us about the businessName, industry, revenue and how long you've been open.
  2. Tell us about youOwner contact details and how much you'd like to access.
  3. Review and submitCheck your answers. A specialist calls with options, usually within 2 business hours.
1Business
2Owner
3Review
About the business
Enter your business name.
Choose an industry.
Choose time in business.
Choose a revenue range.
About you
Enter your name.
Enter a valid email.
Enter a 10-digit phone number.
Choose an amount.
Review and submit

Application received.

Thanks — this is a demo, so nothing was sent. On the live site, a funding specialist would call you within two business hours.

Owners who said yes to the next thing.

Modern restaurant dining room with wooden tables and pendant lights
$120,000

Restaurant group · kitchen remodel

“The bank wanted three months. Capvance funded in two days and we didn't lose the holiday season.”— Darnell R., owner, Savannah GA
Mechanic working under the open hood of a car
$45,000

Auto repair · diagnostic equipment

“Clear numbers up front. I knew the total payback before I signed, which is all I wanted.”— Luis A., owner, El Paso TX
Clothing boutique interior with racks and shelves
$30,000

Boutique retail · seasonal inventory

“Payments flex with card sales, so January didn't scare me. We restocked for spring early.”— Priya S., owner, Raleigh NC

Examples are illustrative demo content. Funding amounts and terms vary by business.

Questions owners ask.

Talk to a funding specialist: (555) 018-8460, Mon–Fri 8am–7pm ET.

No. An MCA is the purchase of a portion of your future receivables at an agreed discount. Our revenue-based capital and line of credit products work differently, and your specialist will explain which structure each offer uses.

A factor rate is a simple multiplier. A $50,000 advance at a 1.25 factor rate means a total payback of $62,500. We always show the total payback before you sign.

Usually your four most recent business bank statements, a voided business check and a photo ID. Larger requests may need processing statements or a recent tax return.

The estimate and application use a soft inquiry that doesn't affect your personal score. A full credit review only happens if you choose to accept an offer.

Some offers include an early payoff discount. Your specialist will show whether yours does before you sign.

Your next order won't wait. Neither should funding.

Six minutes to apply. No obligation. No hard credit pull to see options.

Start my application