Loan guide
Merchant cash advances, explained
A merchant cash advance is an arrangement tied to the future sales of a business rather than a fixed monthly schedule.
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This guide explains what a merchant cash advance is in plain terms, and how YesLane, a funding marketplace, helps you see which lenders work with businesses like yours.
What a merchant cash advance is
A merchant cash advance gives a business funds up front in exchange for a portion of its future sales, often its card sales. Because repayment is tied to sales, it tends to move with how the business is doing.
This structure is quite different from a fixed-schedule loan, so it is worth understanding clearly. The specifics vary by provider, and the details are something you confirm directly.
How it works, in plain terms
A provider advances funds up front
A provider that works with this kind of business provides an amount of funds at the start.
Repayment is tied to future sales
Instead of a fixed monthly payment, a portion of ongoing sales goes toward repayment.
Repayment moves with the business
Because it follows sales, the pace of repayment tends to rise and fall with business activity.
Where YesLane fits in
A funding marketplace
YesLane is not a lender. We help you see which providers in our marketplace work with businesses like yours.
You stay in control
You choose who to connect with. We connect you only with the ones you select.
A light first step
It starts with a few details about your business, what you do, how long you have operated, and your size.