Funding based on how your business actually performs.
A merchant cash advance gives you capital now in exchange for a share of your future sales. We look at your real bank activity rather than just a credit score.
How a merchant cash advance works
How it works
We purchase an agreed amount of your business's future receivables at a discount and send you the funds up front. You then remit to us from your business bank account on the schedule set out in your agreement until that amount has been delivered.
What we look at
- How long you've been in business
- Your monthly revenue and deposits
- Recent business bank statements
- Any existing advances or financing
What you'll need
- The short application below
- Your most recent business bank statements
- Basic business and owner details
We'll tell you exactly what's needed after you apply.
Tell us about your business
It takes a few minutes. A member of our team will contact you to talk through your options and collect your bank statements.
Applying is free and does not commit you to accepting any offer.
Rather talk first? Email admin@obsidiancapitalgrps.com.
Common questions
Is a merchant cash advance a loan?
No. It is the purchase of a portion of your business's future receivables. Your agreement sets out exactly how much will be delivered and how remittances work.
How quickly can I get funded?
It depends on how quickly we receive your statements and documents. Once we have what we need, we aim to get back to you with a decision quickly.
What can I use the funds for?
Business purposes only: inventory, payroll, equipment, repairs, marketing, expansion, or covering a slow season.
Does applying cost anything?
No. Applying is free, and you are under no obligation to accept an offer.