Merchant Cash Advances

Leverage future card sales to fund any business expense

Whether you’re a small business just starting out or an established mid-sized company, a merchant cash advance is a quick and easy way to obtain funding by leveraging your future card sales. It doesn’t matter whether your expenses are planned or unexpected; BFS Capital can provide your business with $4,000 to $2,000,000 in just a few days; capital that can be used for any business expense and offers flexible payback options.

Multiple options to suit your unique business challenges

We understand that there’s no “one size fits all” approach to funding, and have multiple options to support your business needs.

Premier Advance

The Premier Advance is ideal for well-established business owners with better than average credit.

  • Preferred pricing and extended repayment options
  • Minimum of 2 years in business
  • Excellent credit

Advantage Advance

Whether you’re newly-established or credit-challenged, our Advantage Advance resolves your distinct cash flow needs.

  • Flexible repayment options
  • Minimum of 9 months in business
  • Fair-to-average credit

Determining which Merchant Cash Advance is right for you

Advantage Advance Premier Advance
Time in Business 9 months 2 years
Credit Average Excellent
Minimum Card Volume $4,000 $4,000
Minimum Approval $4,000 $4,000
Maximum Approval $2,000,000 $2,000,000
24-Hour Approval BFS check mark BFS check mark
5-Day Funding BFS check mark BFS check mark
Estimated Repayment Period 9 months max 18 months max

How does a Merchant Cash Advance work?

When you apply for a merchant cash advance, we review your recent months of debit and credit card processing to determine an approval amount. Once approved, you can use this capital for any business expense, paying it back through a small, fixed percentage of your future credit card sales.

Since the repayment is a fixed percentage, the amount adjusts to the ups and downs of your daily payment card volume. If you have a good day, you pay back more on your advance; if sales are slow, you pay back less. Either way, you’ll have enough cash flow to successfully manage your day-to-day business functions. You can even get additional capital before your advance is paid off. And, there’s no need to change your credit card processor.

Interested in obtaining a Merchant Cash Advance?

Our expert funding advisors are ready to learn about your business needs to determine if a merchant cash advance is right for you.