Get Funded as little asin^ 24
Hours
Process $10K+ monthly in credit cards? The slider is your contract. Same numbers in writing. Same numbers on your portal. Approval based on processing volume, not your FICO.
Bank-verified via PlaidSame terms on slider, contract & portalNo prepayment penalty
Two Promises. Zero Surprises.
Funded in 24 hours.
Terms you pick — and keep.
Pick Your Terms
Estimate your funding
Live offers — Plaid + AI on your verified bank data.
Repayment capped at 60 business days. Final terms confirmed during underwriting.
Funding US merchants across every vertical
Approval based on $10,000+ monthly card processing,
not your personal credit.
We qualify merchants on monthly card processing volume, not personal credit scores. Merchants meeting our eligibility criteria are considered for revenue-based funding offers. All applications are subject to underwriting review.
How It Works
Getting funded shouldn't be complicated. Our streamlined process gets you from application to cash in hand as fast as possible.
Apply in Minutes
Complete our online application in under 5 minutes. No lengthy paperwork — just the basics about your business.
Get Your Offer
We review your processing volume, not your credit score. Most businesses see an offer within hours of applying.
Pick Your Terms
Slide your funding amount and daily holdback in real time. Shape the offer until the terms work for your business.
Receive Your Funds
Once you accept, funds are deposited directly into your business account — often within 24 hours of approval.
One advance. Put it to work however you need.
A merchant cash advance is flexible working capital — there are no restrictions on how you spend it. Here is what merchants put it toward most.
Stock up & equip
Buy inventory ahead of a busy season, replace aging equipment, or finish a renovation — the everyday tools to run and grow.
Learn moreFund growth & marketing
Put capital behind an ad campaign with proven returns, hire ahead of demand, or open a second location.
Learn moreBridge a cash-flow gap
Cover a slow season, make payroll on time, or handle an urgent repair without draining your reserves.
Learn moreWe Fund Businesses Across Every Industry
If you accept credit card payments, we can help you get funded — regardless of your industry.
Two Promises. Zero Surprises.
Funded in 24 hours. With terms you choose.
Funded in 24 Hours
Same-day approval, next-day cash
Banks take weeks. We move at the speed of your business — most merchants are funded within a single business day of accepting their offer.
You Pick Your Terms
Live calculator, real numbers
Adjust your funding amount and holdback rate in real time. See exactly what you'll pay back, every day, before you commit.
No Collateral Required
Your future sales back the advance — no property or assets on the line.
Revenue-Based Qualification
Approval driven by monthly card processing volume, not personal credit scores.
Flexible Repayment
Pay a percent of daily sales — never a fixed bill.
What Our Clients Say
“I was turned down by three banks. Circular Payments approved me the same day I applied, and I had $50,000 in my account the next morning. It saved my business.”
Maria Rodriguez
Restaurant Owner
“The whole process took less than 24 hours. No mountains of paperwork, no waiting weeks for an answer. I used the funds to buy new equipment and doubled my revenue.”
James Thompson
Auto Repair Shop
“What I love is the flexible repayment. During slow months, my payments go down. It doesn't strangle my cash flow like a traditional bank payment would.”
Sarah Kim
Retail Store Owner
Funding, explained simply
What Documents You Need — and How Fast MCA Funding Really Works
The document checklist for a merchant cash advance, and an honest breakdown of how fast funding really happens — from application to deposit.
Fair-Terms Checklist: 10 Questions to Ask Before You Sign an MCA
The MCA contract is where merchants get hurt. Ask these 10 questions before you sign — a fair funder will welcome every one of them.
MCA Stacking: Why Taking Multiple Advances Is Risky
Stacking merchant cash advances — taking a new one before the last is repaid — is a common path into trouble. Here's how it happens and how to avoid it.
Questions? We've got answers.
The essentials are here. For the full list — funding, repayment, eligibility, your account and more — head to our FAQ page.
Ready to Grow Your Business?
Revenue-based funding for qualified US merchants, as fast as 24 hours. Daily holdback adjusts with your sales — no collateral required.