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Business Funding Options | Advantage Merchant Funding
BUSINESS FUNDING OPTIONS

Capital should fit the need in front of you.

Every business uses capital differently. Advantage helps merchants explore available funding structures for operating needs, growth, equipment, inventory, payroll, and the opportunities that cannot always wait.

Apply for Capital Compare Options
Online application Soft pull for prequalification Recent business bank statements
MERCHANT CASH ADVANCE Working capital based on future receivables. Designed for businesses seeking flexible access to capital outside of a traditional term loan structure.
THREE FUNDING PATHS Explore the structure that fits your business. MCA. Business Loans. Line of Credit.
BUSINESS LOANS Financing for planned business needs. Explore available loan structures for equipment, expansion, and operating priorities.
LINE OF CREDIT Flexible access when timing changes. A revolving option for eligible businesses that need access to capital as needs arise.
INVENTORY PAYROLL EQUIPMENT EXPANSION OPERATING CAPITAL INVENTORY PAYROLL EQUIPMENT EXPANSION OPERATING CAPITAL
ADVANTAGE BY THE NUMBERS

Capital behind thousands of business decisions.

Funding activity across businesses using capital for day to day operations, growth, equipment, inventory, payroll, and opportunity.

FUNDS FUNDED $0+ Business capital funded through Advantage
COMPANIES FUNDED 0+ Companies supported with access to capital
COMPARE FUNDING OPTIONS

Three ways to approach the same question: what does the business need now?

Each structure works differently. The right choice depends on the business, the reason for the capital, eligibility, and the terms available after review.

MERCHANT CASH ADVANCE

Working capital through a purchase of future receivables.

An MCA provides capital upfront in exchange for an agreed amount of future business receivables. It is not structured as a traditional term loan.

Best considered forWorking capital needs
StructureReceivables purchase
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BUSINESS LOANS

Financing for planned investments and operating priorities.

Eligible businesses can explore available loan options for equipment, expansion, working capital, and other qualified business needs.

Best considered forPlanned needs
StructureLoan financing
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LINE OF CREDIT

Flexible access to capital as business needs change.

A business line of credit can provide eligible businesses with revolving access to an approved amount rather than requiring a new request for every qualified draw.

Best considered forChanging needs
StructureRevolving credit
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WHAT BUSINESSES USE CAPITAL FOR

Fund the need. Protect the momentum.

The reason for capital is often more important than the label on the product. Business owners use funding to solve timing problems, make purchases, and act on opportunities.

Inventory Payroll Equipment Repairs Expansion Operating capital
Business equipment and operations Equipment and repairs
Warehouse and inventory operations Inventory and operations
UNDERSTANDING MCA

Merchant cash advance should be explained clearly.

An MCA is generally structured as a purchase of future receivables. The business receives capital upfront and agrees to deliver a specified amount of future receivables under the agreement.

Not a traditional term loan The structure is based on an agreed purchase of future business receivables.
Business performance matters Review can include bank activity, time in business, industry, credit information, and other business factors.
Review the agreement carefully Understand the purchased amount, remittance structure, and other terms before accepting funding.
Use capital for the business Working capital can support legitimate business needs such as inventory, payroll, equipment, repairs, and growth.
QUICK COMPARISON

See how the structures differ at a glance.

Consideration
Merchant Cash Advance
Business Loan
Line of Credit
Primary structure
Purchase of future receivables
Loan financing
Revolving credit facility
Common business use
Working capital and immediate needs
Planned purchases and investments
Changing or recurring needs
Access style
Upfront approved capital
Approved loan proceeds
Draw from available approved credit
Final availability
Subject to review and terms
Subject to review and terms
Subject to review and terms
HOW THE PROCESS WORKS

A simple path from request to review.

The current Advantage application gathers business information, owner information, capital requested, and recent business bank statements for review.

01

Apply online

Tell Advantage about the business, ownership, and how much capital you are seeking.

02

Share financials

Provide the recent business bank statements requested through the current application.

03

Business review

Your information is reviewed to determine which available funding options may fit.

04

Review your options

Understand the available structure and terms before deciding whether to proceed.

BEFORE YOU APPLY

Know what information is being requested.

The current Advantage application asks for business and owner information, capital needed, recent business bank statements, and consent for a soft credit inquiry used for prequalification.

Business information Legal name, DBA, address, entity type, industry, and other company details.
Owner information Owner contact information, ownership details, and other information required by the application.
Recent bank statements The current application requests the last three months of business bank statements.
Soft credit inquiry The current prequalification consent states that the initial soft pull will not affect your credit score.
READY TO EXPLORE FUNDING

Start with what your business needs. Then review the options available.

Submit the current online application or contact Advantage if you want help understanding the funding paths on this page.

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