01
Bank Only ACH Program
Funded without a merchant account. Approval is based on gross deposits into your business checking account, with fixed daily or weekly installments sized to the health of the business.
Built on Trust, Consistency & Partnerships — Since 2015
Working Capital Now
Every skyline started as someone who was told no.
Working capital for small businesses, direct from the lender — the alternative to the traditional business loan. Lower rates, longer terms, flexible payment options. Fast approvals, same-day funding.
- $5K–$5Mfunding range
- < 1 happrovals
- Same dayfunding
- 2015trusted since
01 / Foundation
It starts with one page.
A one-page application and your four most recent months of business bank statements — that is the whole ask. If your business has been running for at least 12 months with $15,000 in average monthly gross sales, you can apply today.
02 / Frame
Offers within
an hour.
Your file is reviewed the day it arrives. A pre-approval and an official offer come back within an hour — real numbers, in writing, while the frame is still going up.
03 / Lights
The lights come on.
Accept the offer and funding can reach your account the same day. Payments run daily, weekly, or monthly — sized to the rhythm of your business.
04 / Skyline
Our success story is
your success story.
Fast alternative funding and award-winning customer service, keeping America’s small businesses running.
The programs, on solid ground05 / Programs
Programs on solid ground.
Two ways in, one direct lender. Every program is structured as a purchase of future receivables or revenue — not a loan.
02
Credit Card Splits
A repayment method for a Merchant Cash Advance where a fixed percentage of daily credit card sales is automatically sent to the funder until the advance is repaid.
06 / Why borrow
Your business needs working capital to thrive. There is no way around it.
- 01Purchase inventory
- 02Repair and maintain equipment
- 03Marketing & advertising
- 04Pay off outstanding debt
- 05Expand the business
- 06Cover unpredictable emergencies
- 07Renovate the space
- 08Hire the next employee
- 09Consolidate existing MCAs
07 / Industries
Preferred industries we fund.
The city is block after block of small businesses. These are the ones we work with every day.
Few lenders fund these. We do.
- Cannabisrelated industries
- Law Firms
- Puerto Rico
- Auto Repair
- Child Care
- Cleaning & Janitorial
- Construction / Sub Trades
- Convenience Stores
- Dry Cleaning & Laundry
- Financial Services
- Grocery Food Distribution
- Home Based Businesses
- Insurance
- Landscaping
- Liquor Stores
- Medical, Health & Pharmaceutical
- Non-profit
- Restaurants
- Roofing
- Security Services
- Tattoo Parlors
- Technology
- and more…
Dedicated financing programs: Franchise · Hospitality · Restaurant · Wholesaler · Contractor
08 / Partners
Bring us the next deal.
ISOs and resellers get a direct line to the funder. We fund first through third positions and report everything — your clients stay your clients.
Same dayfunding
1st–3rdpositions funded
12 moterms, up to
< 1 hpre-approval
Become a partner
Call 888-927-4679
Or write to partners@inadvancecap.com — a dedicated sales representative answers.
The partner ledger
- Funding 1st–3rd positions
- Terms up to 12 months
- Monthly volume bonuses
- Syndication opportunities
- MCA consolidations
- White label opportunities
- Portal access
- Merchant portal
- Early renewal eligibility
- Full transparency in reporting
- Pre-approval within 1 hour
- Same-day funding
- Dedicated sales representative
Credit card programs
Credit Card Processing Portfolio Partnerships
Partner with us and start building your credit card processing portfolio to earn big monthly residual income.
- Credit Card Splits & Lock Boxes
09 / FAQ
Straight answers.
Between $5,000 and $5,000,000, sized to your revenue, time in business, and industry.
Pre-approval and an official offer come back within 1 hour of applying. Once you accept, funding can arrive in as little as 24 hours — often the same day.
A one-page SOFT-PULL credit application and four months of bank statements.
A 550 FICO is the floor. Through the bad credit program, bankruptcies and missed payments do not end the conversation — your score is not the deciding factor.
No. Neither collateral nor a personal guarantee is required.
No. A Merchant Cash Advance is the purchase of your future credit and debit card receipts. Revenue Based Funding is the purchase of future revenue from sales. Neither product is a loan.
No — although offers are more aggressive and favorable through credit-card split funding. The Bank Only ACH program funds against gross deposits into your business checking account — no merchant account needed.
At least 12 months in business and at least $15,000 in average monthly gross sales.
Depending on the program: an agreed percentage of card sales through your processor, or fixed ACH installments. Daily, weekly, and monthly payment options are available.
10 / Apply
Request a quote.
One page, four months of bank statements, an offer within the hour. Prefer a voice? Call 888-927-4679 and talk to a person.
Request sent.
For assistance, call 888-927-4679.
What happens next
Direct line
Office888-927-4679
Partnerspartners@inadvancecap.com
Address
10 West 37th Street, 10th FloorNew York, NY 10018