Merchant Cash Advance
A lump sum today, repaid through a fixed share of future sales.
- Amount
- $10K – $2M
- Speed
- 24 hours
- Credit
- 500+
Direct funder · Same-day decisions
Fast, transparent funding for growing businesses.
$10,000 to $5,000,000 in working capital. Apply in minutes, get a decision today, and receive funds in as little as 24 hours.
- No hard credit pull
- No collateral
- Funds in 24 hours
$1.2B+Funded to date
18,000+Businesses funded
24 hrsAverage time to fund
94%Client renewal rate
Funding products
One application. Six ways to fund.
We match you with the product that fits your cash flow and explain every number before you sign.
Business Term Loan
Fixed installments over 6 to 36 months for expansion or inventory.
- Amount
- $25K – $5M
- Term
- 6 – 36 mo
- Credit
- 600+
Business Line of Credit
Draw what you need, pay for what you use, re-draw as you repay.
- Limit
- Up to $500K
- Type
- Revolving
- Credit
- 620+
Equipment Financing
Finance up to 100% of vehicles, machinery, and equipment.
- Amount
- Up to $5M
- Term
- 2 – 7 yrs
- Credit
- 600+
Invoice Factoring
Turn unpaid B2B invoices into cash within 24 hours.
- Advance
- Up to 90%
- Speed
- 24 hours
- Debt
- None added
SBA Loans
Government-backed loans with the lowest rates and longest terms.
- Amount
- Up to $5M
- Term
- 10 – 25 yrs
- Credit
- 680+
How it works
Funded in three steps
Most complete applications receive a decision the same business day.
1
Apply online
Complete the short application and share your last three months of bank statements.
About 5 minutes2
Review your offers
Your advisor presents each option with the total payback shown up front.
Same business day3
Receive your funds
Sign electronically and funds are wired to your business account.
As fast as 24 hours
Payment calculator
Know the total cost before you sign
Adjust the amount, term, and factor rate to see your estimated payment and total payback.
Estimated payment
Apply for this amount
$496per business day
Funding amount$100,000
Factor rate1.25
Total payback$125,000
Cost of capital$25,000
Number of payments252
Estimates only. A factor rate is a fixed multiplier, not an APR. Daily payments assume 21 business days per month.
Why GFG
Built for businesses banks make wait
We underwrite on the strength of your business, not your paperwork.
Revenue-based underwritingStrong deposits can outweigh a limited credit history.
Transparent, fixed costOne total payback figure, disclosed before you sign. No hidden fees.
A dedicated advisorOne person handles your file from first call through renewal.
Renewals that reward youPay down half your balance and renew, often at better terms.
| GFG | Traditional bank | |
|---|---|---|
| Decision time | Same day | 2 – 8 weeks |
| Time to fund | 24 – 48 hours | 30 – 90 days |
| Minimum credit score | 500 | 680+ |
| Collateral | Not required | Usually required |
| Documentation | Bank statements | Full financial package |
| Approval rate | About 80% | About 20% |
Industries
Serving 700+ industries nationwide
If your business has consistent revenue, we can likely fund it.
Client reviews
Rated 4.9 out of 5 by business owners
Funded in days, no surprises
We secured funding in days and kept our shelves stocked without missing a beat. The whole team was responsive and the terms were exactly what was quoted.
Clear terms and real follow-up
Straightforward process, clear terms, and a team that actually follows up. I've worked with three other funding companies. GFG is the only one I'd use again.
Helped us open our second location
The extra capital let us open a second location faster than planned. Approval was quick and the rep walked us through every option.
Competitive rates, genuinely helpful
Rates were competitive and the support was genuinely helpful at every step. They didn't try to push me into a product that wasn't the right fit.
Bridged us through a tough stretch
Cash flow was tight after a delayed payout from a client. The line of credit kept payroll going while we waited. Lifesaver.
Smooth from application to funding
Application took about ten minutes, funds hit my account within 24 hours. Couldn't ask for a smoother process.
FAQ
Common questions
What is a merchant cash advance?
A purchase of a portion of your future receivables. You receive a lump sum today and remit a fixed daily or weekly amount until the purchased amount is delivered. The total cost is fixed up front.
What are the minimum requirements?
Six months in business, $10,000 or more in monthly revenue, a business bank account, and a credit score of 500 or higher.
Will applying affect my credit score?
No. Reviewing offers requires only a soft inquiry. A hard inquiry occurs only after you accept an offer.
What documents are required?
Under $150,000: the application and your last three months of bank statements. Larger amounts may require a tax return or profit-and-loss statement.
How quickly will I receive funds?
Most applications receive a decision the same business day. Funds are typically wired within 24 hours of signing.
Can I pay off early?
Yes. Most programs include a prepayment discount that reduces your total payback.
Can I qualify if I already have an advance?
Often, yes. We fund second and third positions and can consolidate existing advances into one lower payment.
See your funding options today
Two-minute application. Same-day decision. No impact to your credit.