Business Funding Built for the East Bay
Traditional business loans require pristine credit, massive collateral, and months of waiting. We provide commercial merchant cash advances designed for businesses that need capital to move fast.
What is a Merchant Cash Advance?
A merchant cash advance (MCA) is not a traditional loan. Instead, it is a purchase of a portion of your future business revenue. We provide a lump sum of capital upfront, and in exchange, you remit a fixed percentage of your daily or weekly credit card sales or bank deposits until the agreed-upon amount is collected.
Because an MCA is tied to your cash flow, the remittance process naturally aligns with your business's performance. There is no set interest rate or fixed term length—just a factor rate applied to the advance amount.
Common Use Cases
Expansion & Remodeling
Open a new location in San Jose or remodel your Fremont storefront without draining your operating capital.
Inventory Purchases
Take advantage of bulk discounts or prepare for a busy season by securing necessary inventory upfront.
Emergency Expenses
Fix broken equipment or cover unexpected facility repairs quickly to minimize business downtime.
Bridging Receivables
Cover payroll and daily operations while waiting for large client invoices to clear.
Choosing a funding approach
Commercial financing is not one-size-fits-all. An MCA may be worth discussing when a Fremont or East Bay company has established deposits and needs working capital tied to near-term operations. It is not a traditional loan: the agreement describes a purchase of future receivables, with a factor rate and remittance structure rather than loan interest and a standard monthly amortization schedule.
Before signing, review the advance amount, purchased amount, factor rate, payment frequency, and any other stated costs. Compare those details with expected cash flow and ask questions about how remittances work. Start by reviewing our requirements and frequently asked questions.
Find Out What You Qualify For
Initial review requires no tax documents and no commitment. Explore your options today.
Subject to underwriting approval