How It Works
Skip the bank loan.
Choose a cash advance.
Flexible alternative funding programs designed specifically for small businesses that banks overlook or delay — with zero interest rates, ever.
01 / The problem
The problem with traditional business loans.
Applying for a bank loan often feels like running an obstacle course. Endless paperwork. Invasive personal details. Weeks or even months of waiting… only to face rejection more often than not.
Even if you’re one of the rare few who get approved, the bank will demand personal collateral — putting your home, car, or other assets at risk. And thanks to rising APRs, your payments can grow heavier over time. Then you wait even longer for the funds to finally arrive. For small business owners who need capital now, traditional loans simply move too slowly and carry too much risk.
02 / A better way
A better way: alternative business funding.
At In Advance Capital, we’re a direct lender — but we don’t offer traditional business loans. Instead, we provide flexible alternative funding programs designed specifically for small businesses that banks overlook or delay.
Built on Trust, Consistency & Partnerships since 2015, we focus on real relationships. Our programs feature a variety of repayment options, and we never charge interest rates on any of our funding. You get the working capital you need without the rigid, high-risk structure of a bank loan.
03 / Cash advances
Cash advances from In Advance Capital.
Skip the bank loan. Choose a cash advance instead. With a traditional loan, you’re locked into an APR that can make payments climb higher over time. With In Advance Capital, there is zero interest. We look at your actual business revenue and expenses to create repayment terms you can truly afford.
You’re not borrowing money — you’re selling us a portion of your future sales. Payments flex with your performance. When revenue is strong, you repay faster. When things slow down, the pressure eases. That’s the power of a true partnership built on trustworthiness and mutual success.
04 / The process
The application process.
You don’t have time for bureaucracy — you have a business to run. That’s why we’ve built a streamlined, low-documentation process.
Fill out our simple one-page SOFT-PULL credit application (or request a quote), and one of our funding specialists will reach out to discuss your needs. Submit just four months of bank statements and you’ll receive an official offer within the hour. Accept the offer, and your funding can be in your account in as little as one business day.
Fast. Transparent. Built on the trust and consistency that have defined our partnerships since 2015.
Capital when you need it.
One page, four months of bank statements, an offer within the hour.