Sales-based working capital
A Merchant Cash Advance That Moves at the Speed of Your Sales
Slow week? Big shipment due? Payroll can't wait? A merchant cash advance turns your future card sales into cash today — so you can cover the gap, restock, and keep serving customers while your revenue catches up.
Get Funded TodayStraight answers before you apply
Cash flow that follows the way you sell.
A merchant cash advance is designed for businesses with consistent card sales and a near-term reason to keep moving.
What exactly is a merchant cash advance?
A lump sum of working capital in exchange for a percentage of your future card sales. You're not taking on fixed monthly debt — you're unlocking money your business is already going to earn.
How fast can I actually get the cash?
Fast. Fintech-driven underwriting means many owners get approved and funded the same day they apply. No month-long waiting games.
My credit isn't perfect. Can I still qualify?
Yes. We accept diverse credit profiles — approval leans on your daily sales and business health, not just a score. Businesses with as little as 4 months of history can qualify.
How does repayment work?
Smoothly. A set percentage of your card sales goes toward repayment, so payments flex with your revenue. Busy season? You pay more. Slow week? You pay less. No rigid payment shock.
Which businesses qualify?
Restaurants, retail stores, e-commerce shops, salons and barbershops, auto repair, medical practices, professional services — basically any business with consistent card sales.
How is this different from a working capital loan?
A working capital loan is a lump sum with a set repayment plan. A merchant cash advance is tied to your future sales, so repayment ebbs and flows with your daily volume. Different tools, same goal: cash in your account when you need it.
Any hidden fees or surprises?
None. ROK Intelligence and our offer calculator show your terms and total costs up front. Transparent by design. Zero surprises.
Choose the right tool
Your next move can be specific.
Need to understand the bigger picture first? Read about commercial real estate loans for property-led growth, compare working capital loans for cash-flow gaps, or see how same day business funding works when timing matters.
If your credit history is complicated, start with business loans for bad credit and bring the full picture of your business to the conversation.
A faster way to use the revenue you already earn
Your sales are coming. Get your cash first.
Turn tomorrow's revenue into today's working capital — same-day funding, flexible repayment, and terms you can actually see before you sign.