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Overview: Business Cash Advance

If you are considering taking out a business cash advance (aka merchant cash advance) from any provider, we encourage you to take your time, shop around and get as much information as you can.

In particular, visit our page named “Proceed with Caution”. The more you know, the better you will be able to avoid some of the questionable practices out there. Being armed with this knowledge can literally save you thousands of dollars.

Business cash advances are not loans - they are the discounted sale of your businesses future credit card sales in exchange for a lump sum payment today. If your business does not accept credit cards, visit our Business Loan page for more information on additional working capital programs.

The discount is known as a "factor rate" or "cents on the dollar". For example, if your approved factor rate is 1.18 or 18%, you can expect to repay $11,800 for every $10,000 advanced.

With business cash advances, the cost of the money is agreed on up-front. The cost cannot increase for any reason.

SBA Capital business cash advance amounts range from $3,000 to $250,000 and the factor rates typically range from 1.12 to 1.29 depending estimated repayment term (4-18 months) and risk assessment.

SBA Capital advertises that we are 30% - 50% less in cost than the industry average, and this is true. We encourage getting a competing offer to compare us against the competition.


Advantages of an SBA Capital Advance:

  • Lower cost than most providers
  • We are the funder. No middlemen
  • No fee stacking, double factoring, markups, or junk fees (see "Proceed with Caution")
  • No pushy sales people
  • Flexible draws - take only the cash you need when you need it
  • Renewals and draws funded overnight
  • Limited paperwork
  • Multiple options and offers with one application
  • Underwriting is focused on affordability - long term relationships are a priority

The flexible draw program is very popular. Approvals will have a maximum approved amount included with the various options. If a business takes less than the maximum approved amount they are eligible for additional capital anytime. It's not a "line of credit" in traditional terms but there some close similarities. Very few funding providers offer this flexibility.

Our application process is simple and straightforward. All applications get submitted directly to underwriting. No pushy salesperson will contact you. Approvals are issued in 24-48 hours and they are written in a plain and easy to understand format.

If the offer makes sense we will issue a funding contract, complete underwriting, and issue final approval typically within 2 days. The entire process from start to finish takes on average 3-5 business days.


Renewals are one of the most popular features of business cash advances. When an advance balance reaches 50% of the original balance and is in good standing, the business is eligible to renew their advance and receive additional capital. This process can take less than a day to complete. SBA Capital prides itself on having an 84% renewal rate. Almost 9 out of 10 clients renew their advance at least once and many will renew for years. Used properly, a business cash advance is an affordable way to obtain capital for years to help grow and expand your business.

SBA Capital has one of the fairest and most affordable renewal policies in the industry. Repeat business is the backbone to our success. We don't just want to earn a client's business once. We want to earn it for years into the future. Being fair and honest is the only way to achieve that.

Just click the "Apply Now" button if you would like to see how much your business qualifies for.

If you have any questions about our business cash advance programs, please contact us anytime by phone or e-mail.


Toll Free: 1-800-563-4780

E-mail: info@sbacinc.com




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Small Business Advance Capital, Inc.
9603 Deereco Rd, Suite 300, Timonium, MD 21093
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