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Programs

Six structures.
One application.

You do not pick a product. You send statements and tell us what the capital is for. Your underwriter matches the structure to your deposit rhythm and what you already carry, and puts it in writing. The best product you qualify for, every time.

01

Revenue advance

Repaid as a share of what comes in. Slow week, smaller remit.

A lump sum today in exchange for a fixed dollar amount of your future receivables. The remit rides your deposits, so the payment fits the business instead of fighting it. The total cost is one number, set on day one, that never grows and never compounds.

Best for
Restaurants, retail, salons, auto shops: anything with steady daily card flow and a rhythm to it.
How it pays
Daily or weekly, sized to your deposit pattern.
02

Fixed-remit advance

Same idea, with a set payment you can plan around.

The same purchase of receivables with a fixed daily or weekly remit instead of a percentage. Predictable, easy to budget, and the structure most B2B operators prefer when receivables land on a schedule.

Best for
Construction, trucking, manufacturing, professional services, healthcare.
How it pays
Fixed daily or weekly ACH.
03

Consolidation

Several positions into one payment you can actually carry.

If you already have advances out and the daily load is choking the business, the right move is usually not another position. A consolidation pays off what you owe and rolls it into one new advance with one remit. We tell you plainly when that is the answer, and we tell you when it is not.

Best for
Any business carrying two or more positions, or one position that is too heavy.
How it pays
One remit replaces several.
04

Renewal

Once you have paid down, the next round is priced on your track record.

Clean payment history is the currency of this business. Once a file is paid down far enough, a renewal pays off the remaining balance and funds the difference, and it is priced on what you have proven rather than on what a stranger guessed. This deal is how you earn the next one.

Best for
Every merchant we have funded. We call you when the window opens, not the other way around.
How it pays
Retires the old balance, funds the new amount.
05Through a licensed lending partner

Equipment financing

Trucks, machines, kitchens, devices. The asset carries the deal.

Asset-backed financing for the thing that makes you money, provided through a licensed lending partner. Longer terms and monthly payments, with the equipment as collateral.

Best for
Fleets, machine shops, dental and medical practices, med spas, gyms.
How it pays
Monthly, over the useful life of the asset.
06Through a licensed lending partner

Line of credit

Draw what you need, when you need it.

A revolving line through a licensed lending partner, for businesses whose expense cycle is lumpy rather than steady. Draw against it, pay it down, draw again.

Best for
Contractors bridging draws, importers paying suppliers ahead of sell-through, seasonal operators.
How it pays
On what you draw, on the partner's schedule.
A word on words

An advance is not a loan,
and we do not pretend it is.

A merchant cash advance is the purchase of a fixed amount of your future receivables at a discount. Its cost is one dollar figure set on day one. It does not accrue interest and it does not compound. Where a product genuinely is a loan or a line of credit, it comes through a licensed lending partner and your agreement says so in plain words.