Merchant Cash Advance: Fast, Revenue-Based Funding Built for Your Business Growth in 24 Hours

    Fluctuating revenue? No problem. Get a merchant cash advance based on your future sales — not your credit score. No collateral, no fixed monthly payments. Fast approval in as little as 24 hours with direct funding.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+

    In business funding

    Deployed to SMBs nationwide

    4.9

    Customer rating

    Based on 12,000+ reviews

    95%

    Approval rate

    Among qualified applicants

    12 hrs

    Average funding time

    From application to offer

    Merchant Advance Benefits

    Why GBB Loans Merchant Cash Advances Work for You

    Capital that moves with your revenue. No rigid schedules, no collateral — just smart funding designed for how your business actually operates.

    01
    Payments scale with sales

    Revenue-Based Repayment

    Your payments are tied directly to your card sales. Strong days mean faster paydown; slow days mean lighter payments. This automatic adjustment ensures your cash flow stays healthy regardless of seasonal shifts or market fluctuations.

    Payments scale with sales
    02
    Seasonal-friendly structure

    Built for Seasonal Businesses

    Restaurants, retail stores, tourism operators — if your income ebbs and flows, a merchant cash advance works with that rhythm instead of against it. No more stressing over fixed payments during your slow season.

    Seasonal-friendly structure
    03
    No assets at risk

    Zero Collateral Needed

    Your future card sales serve as the basis for funding — no personal assets, no real estate, no equipment pledges. Your business potential is your qualification, keeping everything you've built completely protected.

    No assets at risk
    04
    Next-day funding

    Capital in 24 Hours

    From completed application to funded account in as little as one business day. When opportunity knocks or an emergency strikes, waiting weeks for bank approval isn't an option — and with GBB Loans, you don't have to.

    Next-day funding
    Simple process

    Your merchant advance in three easy steps.

    From application to capital in your account — streamlined, transparent, and built for speed.

    01
    Prequalify

    Tell us about your business.

    Complete a quick 2-minute form with your business details, monthly card sales, and desired funding amount. Our initial check uses a soft pull — your credit score stays untouched.

    2 minto complete
    02
    Get Matched

    Review your MCA offers.

    Your dedicated funding advisor analyzes your card sales volume and presents the merchant cash advance options with the best factor rates and terms for your business.

    Same daydecision
    03
    Get Funded

    Receive your capital.

    Accept your offer and funds are deposited directly into your business account — most borrowers receive capital within 24 hours of approval.

    24 hrsavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Your Options

    Explore additional funding solutions.

    A merchant cash advance pairs well with other financing products. Discover complementary capital solutions designed to fuel every stage of your growth.

    Quick Capital

    Short Term Loans

    Access immediate capital with streamlined approval for time-sensitive needs. Predictable payments, fast approval.

    What's included

    • $5K–$250K loan amounts
    • 3–18 month terms
    • Funding in 24 hrs
    • Weekly or daily repayment
    Get started
    Revenue-Based

    Small Business Cash Advance

    Get a lump sum based on your future sales with flexible, revenue-based repayment. Ideal for businesses needing fast capital.

    What's included

    • $5K–$500K advances
    • Revenue-based repayment
    • Same-day funding available
    • Bad credit welcome
    Get started
    Revolving Credit

    Business Line of Credit

    Maintain a safety net for your operations. Draw funds when you need them and only pay interest on what you use.

    What's included

    • $10K–$250K credit limits
    • Draw as needed
    • Only pay on what you use
    • Builds business credit
    Get started
    No credit score impact Decisions in minutes Funds as fast as 24 hrs

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free
    Real results

    Business owners who got funded.

    Real stories from entrepreneurs who used a merchant cash advance to grow, adapt, and thrive — on their own terms.

    "Our café revenue swings wildly between summer and winter. The merchant cash advance from GBB Loans let us renovate our patio during the slow season, and the repayment scaled perfectly when summer traffic returned. We never felt the financial strain."

    Funded $62,000
    A
    Angela F.Owner, Birchwood Café & Bakery

    "I was denied by three banks because of my credit score. GBB Loans looked at my card sales instead and funded me in 22 hours. That capital let me double my inventory before Black Friday — our biggest quarter ever."

    Funded $95,000
    J
    Jason P.Founder, Urban Thread Boutique

    "Running a food truck means unpredictable days. Some weeks are incredible, others are slow. My merchant cash advance payments adjusted automatically with my sales — I never had to worry about making a fixed payment on a bad week."

    Funded $32,000
    K
    Keisha B.Operator, Smoke & Soul BBQ Truck
    Common questions

    Merchant cash advance: FAQ.

    Everything you need to know about revenue-based merchant cash advances through GBB Loans.

    Start Your Application

    Ready to Get Flexible Funding Based on Your Sales?

    Revenue-based capital with no collateral, no fixed schedules, and complete transparency. Discover your options in under 2 minutes — free, fast, and zero obligation.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.