Merchant Cash Advance

Businesses that accept credit cards can obtain up to a $250,000 cash deposit in as little as 24 hours to boost business. Known as a Merchant Cash Advance¹ (MCA) or “credit card receivable funding,” the funding is based on a purchase of future sales. Payback is fully automated and most business owner say they don’t “feel” the repayment. Generally, business owners averaging a minimum of $7,500 revenue over the past three months can qualify for a cash advance equal to 70% or 100% of their monthly revenue. MCA is one of the fastest and easiest business funding solutions for small businesses in need of working capital to fuel growth and secure success.  

Repayment Methods

Choose the Split Funding payment method or ask about Greenbox Capital’s preferred merchant services providers if your credit card processor is not already part of the Greenbox Capital network.

  • Cash advances as much as $250,000
  • Low credit scores OK
  • No collateral needed
  • Lump sum funding as fast as 24 hours
  • Automatic repayment
  • Set or variable payments available
  • No hidden fees

Greenbox Capital is a non-bank, alternative lender with the goal of helping small businesses succeed. Our merchant cash advance approval process caters to the financial circumstances typical of small businesses.  Unlike banks, Greenbox Capital doesn’t base approval solely on credit scores. We can even approve cash advances as little as $5,000. Businesses in operation at least 6 months with strong cash flow and demonstrated potential to succeed can get approved for a Merchant Cash Advance. Apply now and enjoy peace of mind knowing that repayment is based on future sales.

Flexible Repayment Methods

Because no two businesses are alike, Greenbox Capital offers flexible repayment methods for Merchant Cash Advances. Choose Split-Funding or Automated Clearing House (ACH). Greenbox Capital funding advisors work with small-business clients to determine what payback type is best to maintain business cash flow and jump-start growth.

Fixed Automated Clearing House payments are deducted directly from the business bank account either daily or weekly. This is ideal for the business owner who keeps a close watch on cash flow. Knowing how much is due helps business owners manage cash flow. Once you’ve paid 50% of the cash advance, Greenbox Capital may renew the advance and increase the amount of cash available. We can also offer a business lines of credit, which enable business owners to withdraw less than the full cash advance approval amount. With a business line of credit, renewals are possible without first having to repay 50% of the original funded amount, as needed so long as the business health remains unchanged or improves.

Leverage Future Sales for Cash in Hand Now

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Split Funding

Merchants with seasonal businesses or fluctuating sales, may prefer a non-fixed daily or weekly payment based on a percentage of credit card volume. The fixed percentage is called the holdback percentage.  This option, referred to as Split Funding, requires little effort on the business owner’s part. Payments are directly deducted from credit card receipts by the business owner’s merchant processor until we have received the repayment amount. Seasonal business owners appreciate that there is no interest rate and repayments are in sync with the ebbs and flows of sales, helping ensure that the financing feels affordable. 

Special Greenbox Capital Programs

3 Stip Business Cash Advance

  • Requires voided check, driver’s license and bank account verification via decision logic or screen share
  • Up to $30,000 advanced
  • In business 2+ years
  • No NSFs, overdrafts, or negative days
  • No businesses with large lease payments
  • No retail businesses
  • Established business background
  • No negative information found regarding the business or its principals

Escrow Program: Merchants can get funded prior to paying off existing cash advance with another lender

Early Pay-off Program: Options to pay off at 30, 60, or 90 days from the date of funding to receive a discount. For every 30 days that the advance is paid early, the merchant can receive a factor rate reduction. 

¹Greenbox Capital Merchant Cash Advances may not be available in all regions of the United States or Canada.

For a free consultation, please complete our application or contact our Merchant Account Service Team.