Merchant Cash Advance
$10,000 to $500,000
- Funds land in 24 hours
- Repay as your sales roll in
- No fixed monthly bill
Smart Funding for
Growth.
One short application opens real offers from vetted funding partners across the country. Compare actual numbers side by side, pick the fit that moves you forward, and get back to running your business.
Free for owners, always. No hard credit pull.
Merchant Cash AdvanceFunds in as little as 24 hours
Business Term Loans$25K to $5M with fixed payments
Lines of CreditDraw only what you need
0+
Businesses guided to funding
$0M+
Capital delivered to owners
0%
Applicants matched with offers
0h
Average time to funding
Funding Options
Six Ways to Fuel What Comes Next
Six products, one short application. Every card lists what matters most, plain and simple.
Business Term Loan
$25,000 to $5,000,000
- One lump sum up front
- Fixed monthly payments
- Terms from 1 to 5 years
Business Line of Credit
Up to $2,000,000 revolving
- Draw funds as needed
- No prepayment penalties
- Interest only on what you use
SBA Loans
$50,000 to $5,000,000
- Lower government backed rates
- Terms of 10 to 25 years
- Advisor guided paperwork
Equipment Financing
Finance up to 100% of value
- The equipment secures itself
- Same week decisions
- Keep your cash reserves intact
Invoice Factoring
Advance up to 95% of invoices
- Get paid within 24 hours
- No new debt on your books
- Stop chasing late payments
Honest Comparison
How We Stack Up Against the Rest
We put it in a table because you deserve to see it plainly. Here is how working with MerchantGuidance compares to the usual routes.
| What Matters | Owner Favorite MerchantGuidance |
Traditional Banks | Typical Online Lenders |
|---|---|---|---|
| Application time | About 2 minutes | Days of forms and meetings | 10 to 15 minutes |
| Decision speed | Within 24 hours | 2 to 6 weeks | 1 to 3 days |
| Credit impact to check | None, soft review only | Hard pull up front | Often a hard pull |
| Funding range | $10,000 to $5,000,000 | $25,000 to $1,000,000 | $5,000 to $500,000 |
| Paperwork load | Digital and light | Heavy documentation | Minimal but rigid |
| Who guides you | A dedicated human advisor | Whoever is at the branch | A rotating call center |
| Cost to compare offers | Completely free | Your afternoons, mostly | Free but single offer only |
The Process
Your Shortest Route to Funded
One call. Three offers. Funded by Friday.
A typical week for owners we guide
Move 01
Tell Us About Your Business
Share a few basics about your revenue, time in business, and what you want the capital to accomplish. It takes about two minutes and never touches your credit.
Move 02
Compare Real Offers
Our advisors match your profile with funding partners that actually fit your situation. You review transparent terms side by side and ask us anything.
Move 03
Get Funded and Grow
Pick the offer you like, sign digitally, and watch the money land in your business account, often within 24 hours. Your advisor stays with you after funding.
Free foreverNo fees for owners, ever
No credit impactSoft review to check options
Real human advisorsPeople who answer the phone
Transparent termsEvery fee shown before you sign
Match by Goal
Tell Us the Goal. We Point to the Capital.
Every dollar has a job. Pick yours below and see which funding type owners like you reach for most.
Not sure which goal fits? An advisor will map it for you in one quick call, free.
Common Pick
Merchant Cash Advance
Remittance flexes with your daily sales, so payroll week never becomes panic week. Funds often land within 24 hours.
How We Vet Partners
Five Checks Before Anyone Joins Our List
We do not take a lender's word for it. Every partner has to clear five checks before an offer from them ever reaches a business owner.
Check 1
Every Cost Written in Plain Language
Origination costs, factor rates, and any early payoff terms have to be spelled out before an offer reaches you. If a partner buries the details, they do not make the cut.
02
Active Licensing in Every State They Lend
LicensingCheck 2
03
A Funding Timeline We Have Confirmed Ourselves
Funding SpeedCheck 3
04
Independent Reviews We Actually Read Before Listing Them
ReputationCheck 4
05
Products Suited to the Businesses They Actually Serve
Product FitCheck 5
Who We Serve
Whatever You Build, We Help Fund It
Owners in every corner of the economy come through our doors. These are the industries funding most often right now.
Restaurants and Cafes
Retail and Boutiques
Construction and Trades
Healthcare Practices
Trucking and Logistics
Online Sellers
Salons and Spas
Manufacturing
Common Questions
Straight Answers, No Fine Print Games
Most approved applicants receive money in their business account within 24 to 48 hours. SBA programs take longer, typically two to four weeks, because of government backing requirements.
No. Exploring your options through MerchantGuidance uses a soft review that never impacts your personal or business credit score.
Most programs ask for at least six months in business, $10,000 or more in monthly revenue, and an active business bank account. Requirements vary by funding type, and our advisors will tell you exactly where you stand.
Funding ranges from $10,000 up to $5,000,000 depending on your revenue, time in business, and the program that fits your goals. Many owners start smaller and unlock larger amounts as their relationship grows.
Never. Our matching, guidance, and advisor support are completely free for business owners. We are compensated by funding partners only after a successful match that you choose.
Yes. Many programs weigh your revenue and cash flow far more heavily than your credit score, so a challenged credit history does not close the door. Talk to an advisor before counting yourself out.
Ready When You Are
See Who Made the Top List.
Our top 10 lenders are ranked on real approval speed, funding range, and how owners rate the experience. Browse the list and pick where you want your application to go.
Free for business owners
No credit score impact
Ranked and updated often