Direct funder · Est. 2009
Money that moves as fast as you do
We advance capital against revenue you have already earned — underwritten by people who read bank statements, not credit bureau files.
$800M+
Capital deployed
11,000+
Businesses funded
17
Years underwriting
94%
Renew or refer
Five ways to get funded
All programs01
Merchant Cash Advance
A purchase of a set amount of your future receivables, remitted as a small fixed daily or weekly amount. Built for businesses with steady card and bank deposits that need capital before a bank could ever move.
- Amount
- $10,000 – $2,000,000
- Term
- 3 – 18 months
02
Revenue-Based Financing
Remittance flexes with your monthly revenue instead of a fixed schedule, so slow months cost less. Suited to businesses with real seasonality that still want a defined payoff horizon.
- Amount
- $25,000 – $2,000,000
- Term
- 6 – 24 months
03
Business Line of Credit
Draw only what you need, pay for only what you draw, and keep the line open for the next opportunity. The most economical option for businesses with recurring short-term gaps.
- Amount
- $10,000 – $500,000
- Term
- Revolving
Who we fund
All industries- Restaurants & Hospitality
- Retail & Convenience
- Construction & Trades
- Trucking & Logistics
- Medical & Dental
- Auto Repair
- Salons & Spas
- E-Commerce
- Manufacturing
- Professional Services
- Landscaping
- Wholesale & Distribution
“Our cooler failed on a Friday. Premium had paperwork back to me that afternoon and the money hit Monday. We never closed a service.”
Owner, two-location restaurant group — client since 2018
How it works
01
Apply
One page, four minutes, three months of statements.
02
Underwrite
A person reads your deposits. Most files clear same day.
03
Terms
Total remittance, term, and schedule on one page.
04
Funds
Sign electronically; the wire usually clears next day.
Straight answers
- Is a merchant cash advance a loan?
- No. An advance is the purchase of a fixed amount of your future receivables at a discount. There is no interest rate in the traditional sense — the total is set up front through a factor rate, and remittance is tied to your sales.
- What does it cost?
- Advances are priced with a factor rate, typically 1.15 to 1.49 depending on time in business, deposit consistency, industry, and term. A $50,000 advance at 1.25 means $62,500 total remitted. You see the full number before you sign — never a moving target.
Find out what your revenue supports
Four minutes to apply. A same-day answer, and a person to talk to either way.