Business Cash Advance & Working Capital—Fast, Practical, No Nonsense
Business funding, equipment financing, and commercial loan services for small businesses. Multiple offers under one roof—pick the best fit for your cash flow.
Funding Products We Offer
Business Cash Advance a/k/a Merchant Cash Advance (MCA): What It Is—and Isn’t
- Purpose: Fast access to working capital based on revenue—not just credit score.
- Repayment: Fixed daily/weekly ACH or a % of card sales until the purchased receivables are collected.
- Cost: Factor rate typically $1.10–$1.50 per dollar advanced (qualification-dependent).
- Use cases: Inventory buys, payroll gaps, seasonal spikes, emergency repairs.
If well-informed, MCA can bridge a real need at the lowest-available cost for your profile. If misused, it gets expensive. We help you avoid the traps.
Our Approach: Always the Best Fit First
- Bank/LOC First: If your metrics fit bank underwriting, we submit there before anything else.
- Next Best Loan: If declined, we pivot to the closest alternative (e.g., term loan instead of LOC).
- Multiple Offers: You’ll see options; you’re never obligated to accept.
- MCA Safety Net: If higher-tier options fail, an MCA can keep you operating.
Experience matters—packaging the file right can mean the difference between an approval and a stall.
Business Cash Advance — Qualifications & Terms
| Category | Requirements / Details |
|---|---|
| Approved Industries | Active businesses with 3–5+ deposits/month (varies by lender) |
| Revenue | Average $10–$20K/month (last 3–4 months). No minimum FICO if revenue is consistently $75K+/month. |
| Time in Business | Typically 6+ months (some programs from 3 months) |
| Credit | Target FICO ~500+; stronger credit earns better pricing/terms |
| Documentation | Bank statements, bank verification, completed application, proof of ownership, time-in-business |
| Amounts | Up to $5,000,000 per location (qualification-based) |
| Terms | 2–24 months; repayment frequency daily or weekly |
| Pricing | Factor rate typically $1.10–$1.50 (per $1 advanced) |
| Early Payoff | Early Payoff Discount often available (program-specific) |
| Minimum Sales | $10K/month — consistently and consecutively |
| Other Loans | For non-MCA products, TIB often 12–24 months minimum |
| Lending Capacity | Up to 150% of monthly average sales; stacking up to ~5 MCAs possible (not recommended without a plan) |
Terms vary by industry, cash-flow stability, credit, and seasonality. We’ll structure for sustainability—never “loan you into a corner.”
What Do I Need to Get a Business Cash Advance?
- One-Page Application
- 3–4 Months of Business Bank Statements
For Expedited Funding (at funding):
- Voided Check
- Driver’s License
- Proof of Ownership
Why Choose Liberty Capital Group?
- Online pre-qualification & minimal paperwork
- Multiple offers across products—choose the lowest cost that fits
- Transparent terms; straight talk on risks and trade-offs
- We submit bank/LOC first when you qualify—lowest cost wins
- Decades of underwriting know-how to package approvals right
“If we can’t get it done, others will likely struggle too.” We’ll show you why, and what to fix next.
Cash Flow First
Match repayment to revenue cadence (daily/weekly) to avoid end-of-month surprises.
Flexible Qualification
Revenue strength can offset thinner credit files. We look at the full picture.
Multiple Options
From LOCs and term loans to equipment financing and sale-leaseback—we stack the deck in your favor.
Dream Big
“Dream Big” with Liberty Capital.
Experience Matters
Business cash advance can be complicated—don’t go it alone. A seasoned business loan broker knows what each lender values, how to present your cash-flow story, and which structure supports your growth without choking your margins.
Ready to compare options? We’ll show LOC vs Term vs MCA and let the numbers decide.
Apply and Get Funded within 24 hours
Liberty Capital Group's Approach
Bank Statement Assessment: If you qualify for a bank loan, your application is submitted for this option first. If approved, you receive the bank loan.
Next Best Loan: If the bank loan application is declined, your profile is then evaluated for the next best available loan. For instance, if you applied for a line of credit but are turned down, you might be offered a term loan instead.
Multiple Offers: You are not obligated to accept any of the offers presented to you. The goal is to provide you with an approval option that you can consider for your business needs.
High Approval Chances: If Liberty Capital Group is unable to approve you, it is likely that other lenders may also find it challenging to provide you with a loan.
Merchant Cash Advance: Should you not qualify for a line of credit or a term loan, the next option would be a merchant cash advance. This ensures that you have access to some form of funding even if higher-tier options are not available.
Experience Matters: Business cash advance can be a complicated process, so you must not do it alone. Working with an business loan broker who knows how to package the best approval will only help get you the right financing.
