Merchant Cash Advance

What Is A Merchant Cash Advance?

For starters, a merchant cash advance is much different than a business loan. With a merchant cash advance, a purchase is made from your future receivables. The advance is paid back from a percentage of your business’ future sales. Choice Funding has vast relationships in the lending community, which makes it easier for you to get the appropriate level of funding for your business. Let us do the hard work while you run your business.

Our merchant cash advance programs are designed to work through your credit card sales in the business. Payments adjust based on your daily credit card volume. A $5,000 minimum in credit card sales a month is all that is needed to qualify! You can borrow as little as $5,000 and up to $500,000.

How Does It Work?

A merchant cash advance is when a lender buys a fixed percentage of your future credit card sales and supplies you the money, minus rates, ahead of time. The program is built so that you fulfill your advance with daily sales until the the advance is paid off in full. These types of advances may be the best fit if your sales and volume fluctuate or if you find that seasonality effects your business, seeing as how it parallels with your cash flow.

By submitting the above form you agree to receive further communication from our company. You can opt-out from further communication at anytime.


  • 3 months in business
  • $5,000 minimum monthly credit card sales OR $15,000 minimum monthly revenue
  • Must deposit at least 5 times per month


  • No set terms
  • Fast pre-approval process
  • Borrow up to $500,000
*Pre-qualification is based on a variety of factors, including your current receivables history. Pre-qualification does not constitute guaranteed funding, loan approval or commitment to fees or term. Successful enrollment is based on broader financial information obtained during the application process.
Funded People

Why Choice Funding?

Our Funding Experience

When you partner with Choice Funding, you will be matched with an agent that will be there to help you through the process – every step of the way. Our team members are eager to help your business succeed.

Our Tailored Solutions

The Choice team designs affordable and flexible business funding solutions catered to your needs. Your business is unique and should be treated as such. Let us design a custom program for you.

Not Just Another Payment

Our job is to give you access to working capital, but our mentality is that we want you to be as successful as possible. We’re here to help you expand. This isn’t just business – it’s a partnership.

Business Funding Services We Offer:
Merchant Cash Advances | Small Business Loans | Expansion Loan | Equipment Financing | Retail | Service | High Risk | Other Business
High Risk Funding Services We Offer:
E-Cigarette & Vape | E-Commerce | Fantasy Sports | Gun & Ammunition | Nutraceutical & Supplement | Smoking Pipes and Paraphernalia | Travel & Tour Guide
Merchant Processing Services We Offer:
Point of Sale (POS) Systems | EMV Terminal Program | Domestic | International | High Risk
High Risk Merchant Processing Services We Offer:
Airlines & Private Jets | Business Opportunities | CBD (Cannabidiol)Costume Jewelry | Credit Repair | Debt Collections | Document Preparation | Drop Shipping | E-Cigarette & Vape | E-Commerce | Education Online | Electronic Benefit Transfer (EBT) | Electronics | Escort Service | Fantasy Sports | Foreign Exchange Market (FOREX) | Gun & Ammunition | Health & Beauty | Hotels / Motels | Male Enhancement | Membership Clubs | Mortgage Modifications | Moving Companies | Multi-level Marketing (MLM) | Network Marketing | Nutraceutical & Supplement | Online Dating | Penny Auction | Seminars | Smoking Pipes and Paraphernalia | Software Downloads | Stock Trading | Student Loan Relief | Subscription & Recurring | Tech Support | Telemarketing | Timeshare Litigation | Travel & Tour Guide | Vacation Home Rental | Warranty | Weight Loss
States We Offer Our Services In:
Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming
International Countries (European Union) We Offer Our Services In:
Austria | Italy | Belgium | Latvia | Bulgaria | Lithuania | Croatia | Luxembourg | Cyprus | Malta | Czech Republic | Netherlands | Denmark | Poland | Estonia | Portugal | Finland | Romania | France | Slovakia | Germany | Slovenia | Greece | Spain | Hungary | Sweden | Ireland | United Kingdom