MERCHANT CASH ADVANCE / WORKING CAPITAL
FOR YOUR SMALL BUSINESS
Same Day Funding
Finance $10,000 to $5 million
Flexible financing terms


Get Started Today And Speak With an Advisor
WHAT IS A MERCHANT CASH FUNDING / WORKING CAPITAL
A Merchant Cash Advance isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance. On the other hand, during times of slow business, the payback would be reflective of the incoming cash flow.

SIMPLE APPLICATION
Our simple 15-second online application can get you matched with offers in minutes.

LARGER AMOUNTS
Get matched with the best financing options with the highest funding amounts.

NO MINIMUM FICO
Bad credit? No problem! Most of our top financing options have no minimum FICO.

SAME DAY FUNDING
Our fintech speed can get you in and out of Underwriting in just a few hours – and same day funding!
WHAT DO YOU NEED TO QUALIFY

3+ Months in Business
You can qualify for our top financing options with as little as 3+ months in business.

$ 10,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
WHY ESHE FINANCIAL?

Stellar Reputation
Backed by thousands of 5-star reviews, our business financing experts will work with you to solve your business challenges.

Technology- First Control
ESHE Intelligence uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.

Multi Options
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.

Zero Suprises
ESHE's offer calculator takes the guesswork out of business financing. It provides full transparency on terms. One fee, no surprises.
STEP 1: APPLY ONLINE
Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.
STEP 2: REVIEW OPTIONS
Your personal loan advisor will discuss finance options available with you for your business.
STEP 3: RECEIVE YOUR FUNDS
Finish the online application process and receive your funds in as little as 24 hours.
Resources & Frequently Asked Questions
A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.
A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.
Merchant cash advances (MCAs) are generally considered to be an easy type of business financing to qualify for, with approval rates as high as 90%. MCAs are often available to businesses that may not qualify for other types of loans, such as small business loans, equipment loans, or business lines of credit. MCAs are based on a business’s cash flow, not its credit history or business history.



