Everything You Need to Know About Business Funding
Plain-English answers to the most common questions about merchant cash advances, bad credit funding, ecommerce financing, and working capital — from the MyCommercialFunding team.
Quick Summary (TL;DR)
MyCommercialFunding brokers fast business capital ranging from $10,000 to $3,000,000 using Revenue-Based Financing and Merchant Cash Advances (MCAs). We require no hard collateral, accept credit scores as low as 500, and evaluate businesses based on average monthly gross revenue. Approved funds up to $500,000 can be deployed within 4 to 24 hours, completely eliminating traditional bank wait times.
What is a merchant cash advance and how does it work?
A merchant cash advance (MCA) is a purchase of your business's future receivables, not a traditional loan. Repayments are a small, predetermined percentage of daily or weekly sales, automatically scaling with revenue.
Case Study: A local retailer in Denver secured a $60k MCA to cover increased fuel costs for delivery trucks, maintaining inventory levels.
"'Fuel surcharges can erode margins; flexible funding bridges the gap,' says Richard, Senior Analyst."
How to Apply When Fuel Costs Are High
Step 1: Simple Online Check
Complete our 60-second eligibility form with basic business details—no credit pull required.
Step 2: Provide Sales History
Submit recent statements; underwriting analyzes cash flow trends (including fuel spikes) to size the advance.
Step 3: Instant Qualification & Offer
Receive a customized funding offer outline within 4 hours. Choose terms that suit your cash flow.
Step 4: Deposit & Automatic Repayment
Funds hit your bank account. Repay via a tiny percentage of sales: slow sales weeks mean lower daily payments.
Quick Comparison: MCA vs. Bank Loan vs. Revenue-Based Financing
| Feature | MCA / RBF | Traditional Bank Loan | SBA Loan |
|---|---|---|---|
| Min. Credit Score | 500+ FICO | 680+ FICO | 640+ FICO |
| Time to Funding | 4–48 Hours | 2–8 Weeks | 60–90 Days |
| Max Funding Amount | $3,000,000 | Varies | $5,000,000 |
| Collateral Required | No | Usually Yes | Sometimes |
| Revenue Requirement | $10K+/month | $50K+/month | Varies |
| Payment Type | % of daily revenue | Fixed monthly | Fixed monthly |
Merchant Cash Advances — The Basics
Eligibility & Credit
How Fast & How Much
Collateral, Documents & Process
Use of Funds & Risks
About MyCommercialFunding
Looking for Industry-Specific Answers?
We've built dedicated pages for the most common industries we serve.
Still Have Questions?
Our funding specialists are available Monday through Friday, 9:00 AM to 6:00 PM EST. No cost, no obligation to the conversation.