Revenue-based financing and merchant cash advances funded in 24–48 hours. Flexcap Solutions compares 100+ funders for the best factor rate and terms.
Flexcap Solutions is a Miami-based commercial finance brokerage that has funded more than $100 million for U.S. businesses through a network of 100+ lender partners.
Revenue-based financing gives your business a lump sum of cash today in exchange for a share of your future sales. Instead of borrowing money and paying interest, you sell a fixed amount of your future receivables to the funder at a discount. You then deliver those receivables over time, usually as a set percentage of your daily or weekly revenue, or as a fixed daily or weekly payment based on your average sales.
You will also hear it called a merchant cash advance (MCA), a business cash advance, or gross receivable factoring. The names differ, but the core idea is the same: the funding is tied to the money your business brings in, not to a fixed loan schedule.
One point matters for every business owner to understand: a merchant cash advance is not a loan. It is a purchase of future receivables. That has real consequences for how it is priced, how it is regulated, and how repayment works, which we explain below.
Because approval is based mostly on revenue history rather than collateral or a high credit score, revenue-based financing is often available to businesses that a bank would decline or make wait for weeks.
Instead of an interest rate, a merchant cash advance is usually priced with a factor rate. The factor rate is multiplied by the amount you receive to get the total amount you will deliver. For example, if you receive $50,000 and the factor rate is 1.30, you would deliver $65,000 in future receivables. That $15,000 difference is the cost of the funding. (This is an illustration of the math only, not a quote.)
A few honest points about cost:
We show you the amount you receive, the total you will deliver, the expected remittance amount, and the estimated term before you sign, so you can compare the offer against other options.
Revenue-based financing works best for businesses with strong, steady deposits that need capital quickly or that do not fit a bank's checklist. Typical uses include:
It is common among restaurants, retail stores, healthcare practices, trucking companies, contractors and service businesses whose revenue comes in daily or weekly.
It may not be the right choice if your margins are very thin, if your revenue is unpredictable, or if you are using it to cover ongoing losses rather than a short-term need. In those cases, a longer-term product such as a small business term loan may be easier on your cash flow. We will tell you if we think another product fits better.
Most businesses we fund through revenue-based financing have:
Credit is considered, but it is usually less important than consistent revenue. Funding amounts depend on your revenue and overall financial health; across our products, funding can reach up to $10 million.
For a full checklist, see our guide to business funding requirements.
Comparing options? See MCA vs. business line of credit and term loans vs. revenue-based financing.
No. A merchant cash advance is the purchase of a portion of your future receivables at a discount. You are not borrowing money and paying interest; you are selling future sales. That is why it is priced with a factor rate instead of an APR, and why remittances are typically tied to your revenue. You still sign a binding agreement, so read it carefully before accepting.
Revenue-based financing is one of the fastest forms of business funding. Once we have your application and bank statements, decisions are often made quickly, and funding typically arrives within 24–48 hours of signing. Having your statements, ID and voided check ready is the best way to avoid delays.
Revenue-based financing is a purchase of future receivables, while a term loan is borrowed money. A term loan is repaid with interest on a fixed schedule. Revenue-based financing is priced with a factor rate, and the funding is based mostly on your sales. See our guide to business term loans to compare them.
A factor rate is a decimal number, such as 1.25 or 1.40, that determines the total amount you will deliver. Multiply the funded amount by the factor rate to get the total. Unlike an interest rate, the cost is set at the start and does not grow over time, but repaying quickly raises the effective annualized cost.
Often, yes. Approval for a business cash advance depends mostly on your revenue and bank activity, not just your credit score. Lower credit may affect the amount or cost of your offer, and there is no guarantee of approval. Pre-qualifying with Flexcap does not affect your personal or business credit.
Yes. Flexcap Solutions offers business lending in Canada as well as the United States. Contact us to confirm which options are available for your business.
With a percentage-of-revenue structure, your remittances shrink when sales shrink. With a fixed daily or weekly remittance, many agreements let you request a reconciliation so payments better match your actual revenue. Contact us right away if your sales change; it is far easier to adjust early than after missed remittances.
Sometimes. Some businesses renew or add funding once a meaningful portion of the first advance has been delivered. Stacking several advances from different funders at once is risky and can overload your cash flow, so we review your full position before recommending any additional funding.
If you need working capital quickly and have steady monthly revenue, revenue-based financing may be a strong fit. Pre-qualify online in a few minutes. It does not impact your personal or business credit, and a Flexcap specialist will walk you through every option, including the total cost, before you decide.
Last updated: November 2026
