Best for
- Same-day capital when timing matters
- Credit-challenged businesses with strong revenue
- Restaurants, retail, trucking, construction
- Filling a gap while longer-term financing closes
First Capital program · Independent placement
Revenue-based commercial financing for time-sensitive business needs.
A Merchant Cash Advance is a purchase of future receivables — not a loan. You receive a lump sum today and repay a fixed total (advance × factor rate) via small daily or weekly ACH pulls tied to your bank activity. Fast, credit-flexible, and unsecured.
Fit and review
Placement process
Share recent bank activity and the intended business use.
A provider reviews revenue, deposit consistency, balances, and existing obligations.
Compare the total purchased amount, remittance, frequency, and other written terms.
If accepted, complete the provider's closing and funding requirements.
From the Answer Center
Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.