Merchant Cash Advance - Excel Capital Management
108 Greenwich St., 5th Fl New York, NY 10006
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Merchant Cash Advance

Merchant Cash Advance and How It Works

Businesses that struggle with no collateral or no credit find it difficult to qualify for traditional financing. Companies in need of quick capital to expand or improve their operations face limited options because of these roadblocks. Numerous companies report strong sales and solid cash flow statements but do not meet the rigorous standards required by traditional lenders; however, financing programs exist that provide business owners with fast capital along with minimal qualification requirements. The money comes in the form of Split Funding, also known as a Merchant Cash Advance. Split Funding is perfect for retail businesses that accept credit cards, as a set percentage is taken out of every credit card sale in order to pay back the advance, allowing business owners to focus on their business rather than worrying about payments.


What is Needed to Qualify for a Merchant Cash Advance?

  • At least 2 months of operating history
  • $7,500 or more of monthly credit card sales
  • Documented gross monthly sales of $10,000 or more
  • No open bankruptcies allowed
  • Startups are usually ineligible for Split Funding, but can qualify for this product
  • For approval, all you need to do is complete an application and send it back with 3 months of bank and credit card statements

What are the Pros Split Funding?

  • Their is no set repayment schedule so you pay at the pace of your business without strict penalties for late payments
  • No minimum or maximum funding amounts
  • Approvals in 24 – 48 hours
  • Funding in as little as 48 hours
  • No personal guarantee
  • No collateral needed
  • No strict credit requirements
  • Can be used for cash flow, inventory, equipment, expansion or anything else related to the business
  • Can be refinanced quickly for quick access to additional capital

**After You Are Approved, Additional Documentation May Be Required Before Funding – Click Here For A List of Possible Requested Items**

See what your business qualifies for

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