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Gather three months of bank statements and other necessary records. For faster approval, securely grant us access to your bank account’s transactional data.
When you receive a merchant cash advance from BB Capital Solutions, you’ll get a lump sum of funding in exchange for a percentage of your business’s future sales.
A Merchant Cash Advance (MCA) is a financing option where businesses receive cash upfront in exchange for a percentage of future credit card sales. Unlike traditional loans, MCAs typically have a faster application process and offer flexible repayment options.
When you receive a merchant cash advance from BB Capital Solutions, you’ll receive a lump sum of funding in exchange for a percentage of your business’s future sales. This means you’ll get the working capital you need now, while we collect a portion of your sales until the agreed-upon amount has been repaid.
Our Funding Advisors will collaborate with you to develop a customized funding plan that supports your business’s growth without straining your cash flow. Business owners averaging at least $7,500 in monthly sales over the last three months may qualify for an MCA ranging from 70% to 120% of their revenue, with funding amounts between $3,000 and $500,000. We offer both fixed and flexible repayment schedules, with no fixed term requirements.
Merchant cash advances are ideal for:
Industries that can benefit from invoice factoring include construction, legal services, manufacturing, pharmacies, business services, and more. At BB Capital, our expert Funding Advisors will work closely with you to find the best financing solution to support your business growth without disrupting cash flow.
Gather three months of bank statements and other necessary records. For faster approval, securely grant us access to your bank account’s transactional data.
A Funding Advisor will contact you within one hour (during regular business hours) to complete your application and discuss available funding options.
Once you and your Funding Advisor select the best funding solution for your business, your funds can be approved and deposited within 24 hours.
Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales, with amounts based on your sales volume.
With a merchant cash advance from BB Capital Solutions, there are no restrictions on how you can use your funds. MCAs are best suited for growth strategies that help increase your revenue, such as:
Yes, you may be able to get a merchant cash advance with bad credit if your business has strong cash flow. Alternative lenders like NextGen Capital have lower credit score requirements, typically starting around 550. Merchant cash advances, invoice factoring, and other alternative small business funding are ideal options for businesses with low credit scores.
Some alternative lenders may approve a merchant cash advance with no bank statements, but you can expect much higher rates. BB Capital Solutions requires three months of bank statements and other financial records.
Any business that accepts credit and debit card payments may benefit from a merchant cash advance, regardless of industry. Our team of knowledgeable Funding Advisors will work with you to assess your eligibility.
Every business is unique. It’s always best to speak with one of our Funding Advisors to review your circumstances and assess your eligibility. In general, we look for consistent revenue with minimum monthly receipts of $7,500 or more, and 6+ months in business. We know that credit scores don’t tell the whole story, so we also consider the overall growth potential of your business.
We do not restrict how you can use your merchant cash advance funding. We believe small business owners understand best what they need to do to grow their businesses, so while our team may provide some coaching, the final decision is yours.
A merchant cash advance does not have an interest rate because it is not technically a loan. An MCA is an advance against future sales. The cost of the advance is called a “factor rate”, and it varies based on each business.