Funding options
Merchant cash advance.
Funding for your
payroll.
An advance on your future sales. Approved on your revenue, repaid from your revenue.
No credit check to apply · One application, every option · No obligation
Merchant cash advance
✓ Compared side by side with every other option
Example only. Real terms come from the lender.
It’s not a loan. It’s an advance.
A lender buys a slice of your future sales and pays you up front. You repay it from your revenue over time.
Days
Not the weeks a bank takes
Revenue
Your deposits, not just credit
None
No real estate or equipment
How it works
Priced up front. Paid from your sales.
- One factor rate sets the total payback. It doesn’t grow over time
- Small daily or weekly payments from your business account
- Some offers adjust payments to your sales
- Pay it down on time and better options can open up
- Day 0Apply with RushFiShort application + statements
- Day 1Matched with lendersRevenue, time in business, industry
- Day 2Offers side by sideAmount, factor rate, total payback
- Day 3Sign with the lenderLender sends the funds
- Week 1+Small payments beginDaily or weekly, from sales
- RenewalBetter money next timeLine of credit, term loan, SBA
Is it right for you?
If it isn’t, your advisor shows you what is. Same application.
A good fit when
✓ You need money in days, not weeks
✓ Steady monthly card or bank deposits
✓ The bank said no or is too slow
✓ A clear use: payroll, inventory, a repair, a hire
Maybe not when
✕ You can wait months for the lowest cost (look at SBA)
✕ Revenue is under about $50K a month
✕ You want a long, fixed monthly payment (look at a term loan)
The bank way vs. the RushFi way.
Same funding. A faster, clearer way to get it.
One application. Every option.
Not sure this is the one? Your advisor compares them all for you.
Questions, answered.
Is a merchant cash advance a loan?
No. It’s the purchase of a portion of your future sales. That’s why it’s priced with a factor rate and a total payback instead of interest.
What’s a factor rate?
A number, like 1.30, that sets your total payback. A $40,000 advance at 1.30 means $52,000 total. It’s fixed up front, so it doesn’t grow.
How are payments made?
Usually small automatic debits from your business bank account, daily or weekly. Your offer shows the payment and schedule before you sign.
Will applying affect my credit?
RushFi doesn’t run a credit check when you apply. Lenders may check before making an offer, and they’ll tell you first.
RushFi doesn’t run a credit check. Lenders may check credit before making an offer. RushFi is a broker, not a lender.