Alternative Funding Cash Advance Loans for Retail Businesses

Bank not giving you a loan?  Need cash to expand your growing retail business?  When traditional funding is not available alternative funding loans like merchant cash advances may be worth exploring.  If your retail business accepts credit cards, you can get a cash advance on your future credit card sales. The merchant cash advance gives business owners a hassle free alternative to conventional business loans.  It is a simple, convenient way to get the cash you need into your business today.

Get the cash you need to open a new location, remodel your current store, invest in new equipment, or buy inventory you need.  An alternative funding merchant cash advance can be a good option for retail businesses that have been in operation for at least two years.


  • Get Cash in 5 Days or Less
  • No Personal Liability
  • No Closing Costs
  • No Collateral Required
  • No Financial Statements or Tax Returns Need
  • Simple Automated Payback

Lenders are willing to give loans to businesses in exchange for a percentage future credit card sales based on a factor rate.  A merchant cash advance is not the cheapest source of funds but can be a good deal for healthy merchants.

We work with several alternative funding providers that service the small and medium sized private business segment to fill the gap in traditional lending.  You need working capital for growth and do not have time to evaluate every offer out there.  That is where we come in.  We work for merchants, not lenders.  We will try to understand your unique needs and recommend the best lender based on years of experience.  We make getting a cash advance simple.

An alternative funding loan really is quite simple.  Use the cash any way that you want.  There is no catch.  Borrow as little as $2000 or up to $250,000 per location depending on your business credit card volume with a 4, 6, or 7 month payback period.  The lenders advertise a 95% approval rate.  Everything is tax deductible.  After completing the application you can expect cash in as little as 72 hours.

Underwriting Guidelines

  • Six months prior credit card processing statements are required
  • Three months of bank checking account statements are the minimum with six months of statements required for larger deals (over $50,000)
  • Copies of lease agreement, business license, and drivers license
  • The business owner will need a FICO score of 550 or higher with no bankruptcies within the last five years
  • Merchants found on the “Terminated Cash Merchant” list will not be approved
  • No restricted or prohibited merchant types

A full application is required.  Lenders reserve the right to adjust funding eligibility with discretion.  References and interviews may be required.  $5,000 minimum processing volume.

A merchant that has paid back 50% or more of the original receivable and is in good standing on a current advance will be eligible for renewal.

Merchants will not be able to get a cash advance to pay offer another cash advance unless the balance owed is less than 50% of the potential advance amount.

Most alternative funding cash advance loan providers partner with merchant services providers so restrictions on merchant account providers may apply.

Whatever the reason you may need cash fast we can help.  We understand the needs of businesses today.  We are committed to helping you meet those needs to grow your business into the future.

We are independent agents licensed to provide service nationwide.  We are headquartered in Kansas City and specialize in the Midwest markets of Columbia, Springfield and St. Louis MO, Des Moines and Iowa City IA, Omaha and Lincoln NE, Lawrence, Topeka, Manhattan, Salina, Wichita, and Overland Park KS, and Tulsa and Oklahoma City OK.  We also have an new office in Sacramento, CA that services Northern California and the West Coast.

Let’s Talk