Merchant Cash Advance Financing
Need cash now? We can fund your business up to $2 million against future sales using merchant cash advance funding.
Merchant Cash Advances Provide Many Businesses with the Liquidity They Need Now to Secure Sales in the Future
The concept behind merchant cash advances is simple: receive money today and repay it over time from your business sales. Specifically, a percentage of sales paid by credit card is automatically transferred to us to help repay your obligation.
We don’t impose any restrictions on the use of your funds, nor do we require liens on your equipment.
By integrating with your payment processing, you gain the flexibility of repaying less when sales are slower and paying off more quickly and saving financing charges when sales are strong.

What is a Merchant Cash Advance?
Many business owners are unfamiliar with the concept of a merchant cash advance.
In the simplest of terms, it is an advance against the strength of your business and your future sales. It does not impact your personal credit, does not require a mortgage or putting up any other asset.
If your business currently accepts credit cards, you can tie us into that payment stream. As sales come in, a percentage of sales forwards to us automatically paying down your obligation.

3 Ways Affinity We Can Help with Merchant Cash Advances
Obtain a Decision in One Day
Our team works fast to fund you. If we receive documents fast enough, we can fund in as little as one day!
MCA Funding up to $2 Million
From small business funding to capital for construction, we can handle funding of nearly any size project.
Flexible Repayment Terms
With short term funds for growing businesses, we can work within the terms you need.
The Merchant Cash Advances Give Business Owners Great Flexibility
The team at Affinity knows that every business is different. We know that most businesses have a seasonality to them, and even a cycle during the week. Restaurants are busier on the weekends. Dental practices are busier during the week. Landscape companies are busier in the spring, summer, and fall.
We work with you to understand your business and your cash flow challenges. It is nothing to be ashamed of, every business has them. Very few businesses have the same level of sales day after day. Most have peaks when they’re busy and troughs when they are slow.
Our merchant cash advance program works with you to ensure that you do not overextend yourself, work within a repayment schedule, and repay in a way that you can afford.
Most clients pay a fixed percentage of sales until the financing is repaid. This means we receive less when you are slow and are repaid faster when you are busy.

Our Team Has Extensive Experience with Merchant Cash Advances
The team at Affinity will never steer you into a single product. We offer a wide and robust range of funding solutions. We know that every client has different needs and do not try to force a client down one path or another.
Our clients see tremendous benefits from merchant cash advances:
- fast decisions
- no collateral needed
- no restriction on use
- no set payment terms
- payment is based on actual credit and debit card sales
- the flexibility to save money by paying off early
- tremendous funding options up to $2 million

Affinity Beyond Capital Can Approve Merchant Cash Advance Financing Fast
We see clients using merchant cash advances in a number of industries including:
- Service Businesses
- Home Repair
- Automotive
- Retail
- Restaurants
- Medical Offices and Healthcare
- Subscription Services
- ...and more!
Complete our online application or call our specialists at (516)743-3020 and let’s find out how our experts can help give you the funding you need to continue growing your business.
The Funding Process at Affinity
Step 1
Apply for Merchant Account Funding
Complete our simple web-based application or speak to one of our experts with questions. The process is easy with basic requirements (you must be in business at least 3 months with at least $8,000 in monthly revenue).

Step 2
Get a Decision Quickly
Because the process is not tied to specific equipment purchases, real estate appraisals, etc., our approval process is very fast. Decisions are made based on your industry and sales history, and we can then determine the level of funding suitable for you.

Step 3
Get Approved Fast for Merchant Funding
Once you’re approved, you can use your financing for any number of purposes. Are you acquiring new technology or equipment for the business? Are you growing your staff? Doing renovations? Looking for capital for special opportunities? Dealing with cash flow challenges?
Whatever the need, we’re here to help.

6 Great Reasons to Work with Affinity on Merchant Cash Advances
Our people are often asked exactly why people really should use Affinity as their go-to source for loans in their business, not just right now but for years to come. Listed below are some reasons why:
Long Term Business Relationships
One of the things we’re most proud of is our history with our clients. We build our business with recurring clients who we are able to help grow as well. Become part of the Affinity family!
Respected by Several Thousand Customers Nationwide
Our seasoned finance professionals have helped thousands of clients across the country. We understand what it takes to get businesses the financing they need and look forward to helping you.
Quick Funding Approvals
Don’t wait weeks or months for a decision-we are able to get approvals in as little as one day!
Fast Provisioning of Funds
We understand that many people looking for funding need that funding quickly. With our merchant cash advance program we are able to do just that, getting our clients funding in as little as a day.
Simple Application Process
No one likes piles of paper. We use a simple online application process to get the core information required to approve your funding. We make it as easy as possible!
Fair Terms
While others deliver contracts the thickness of a magazine, our agreements are simple and straightforward. It is important every client understands the obligations on both parties and that they enter into any financing (with us or anyone else) with their eyes wide open.
Apply Now for Merchant Funding through Affinity
We would love the opportunity to earn your business. If you are ready to apply for funding, complete this application. If you are not ready to apply but are looking for a quote, complete the short form and one of our professionals who will provide a quote to you.
We look forward to helping you!
