When your business needs money for payroll, inventory, marketing, or a new project, you often cannot wait for a slow bank process. Alternative finance has grown strongly in recent years.
One global study found that online alternative finance for businesses reached 35 billion US dollars in 2019 and rose to 53 billion US dollars in 2020.
A business cash advance gives you quick access to working capital based on your future revenue, not only your credit score. This guide explains what this funding is, how to qualify fast, what fees to expect, and how Capital Express can help you apply online.
What This Type of Funding Is and How It Works
This type of funding is often called a merchant cash advance or revenue-based financing. It is different from a traditional business loan.
Instead of borrowing money with a fixed monthly payment and interest rate, you receive a lump sum upfront. In return, you agree to share a percentage of your future sales until you repay an agreed total amount.
In simple terms:
You receive a set amount of money into your business bank account.
The provider collects a small percentage of your daily or weekly revenue.
When your sales are higher, you pay more that day or week.
When sales are lower, you pay less, and repayment takes a little longer.
This structure gives you more flexibility than a fixed loan payment, especially if your revenue goes up and down during the year.
Capital Express focuses on this kind of flexible, revenue-based funding for small businesses across many industries in the United States.
Basic Requirements to Qualify for a Business Cash Advance Fast
To qualify for a business cash advance in less time, most funders look at a few basic points. Exact numbers can change by provider, but the general requirements are similar.
Common requirements include:
Your business has been in operation for at least 6 months.
You have regular monthly revenue, often above a set minimum level.
Your business bank account shows several deposits each month.
There are only a limited number of negative balance days.
You can share recent business bank statements.
You can provide simple documents, such as a photo ID, business details, and a voided business check.
Capital Express also reviews the overall health of your business, not just a single number like a credit score. This helps many small businesses that may not be approved by a bank but still have stable sales.
How to Qualify Quickly Step by Step
If you prepare a few things in advance, you can move from application to funding in a short time. Here is a simple step-by-step path.
1. Check your basic eligibility
Look at your recent activity:
Time in business
Monthly revenue
Bank statements and deposit history
If you are not sure, you can speak with a Capital Express representative to confirm whether your numbers are in the right range.
2. Gather your documents
Before you start the online form, collect:
Recent business bank statements
Basic business information and tax ID
Government-issued ID for the business owner.
Voided business check for the account where you want to receive funds
Having these ready avoids delays in review.
3. Complete the online application
With Capital Express, the application is designed to be short and precise. You enter your contact details, business details, and upload your bank statements. This helps the underwriting team see your real revenue pattern and cash flow.
4. Review the offer
If you qualify, you receive a funding offer. This should clearly show:
The amount of the advance
The total amount to be repaid
The percentage of revenue that will be collected
How and when the payments will be taken from your account
Read this carefully. If anything is unclear, ask questions before you sign.
5. Receive the funds
Once you accept the offer and sign the agreement, the money is sent to your business bank account. In many cases, this happens on the same business day.
For time-sensitive needs like urgent supplier payments or payroll, this speed is a key benefit of working with a funder such as Capital Express.
What Fees Are Typically Charged
This type of funding does not usually use a standard interest rate. Instead, most providers use a factor rate and a holdback percentage.
Key terms you will see include:
Factor rate This is a multiplier that sets the total repayment. For example, if you receive 50,000 US dollars and the factor rate is 1.3, your total repayment will be 65,000 US dollars.
Holdback percentage This is the percentage of your daily or weekly sales that goes toward repayment. For example, 10% of each day’s card sales could be collected until the full amount is paid.
Possible fees Some providers may also charge origination or processing fees. These should be clearly listed in your agreement.
Capital Express focuses on transparent terms. The goal is to show you the full cost upfront, with no surprise fees later, so you can decide if the offer fits your business.
What Makes a Provider The Best Choice in the US
When you choose a funder, you are choosing a financial partner. The best providers share some important qualities:
Clear and honest terms
Quick and efficient review and funding
Focus on your real business performance, not only your credit score
Good support before and after funding
Strong data protection and secure online systems
Capital Express aims to combine all of these points. The company focuses on small businesses that are often overlooked by traditional banks but still have good revenue and real growth plans.
Frequently Asked Questions
1. How is this type of funding different from a normal business loan?
A typical business loan has a fixed schedule and a set monthly payment. This type of funding is repaid through a percentage of your future sales. When your revenue is higher, you pay more. When your revenue is lower, you pay less. There is no fixed monthly instalment in the same way as a traditional loan.
2. How fast can I get the money after I apply?
If your documents are complete and your business meets the provider’s criteria, many decisions are made within hours. After you sign the agreement, the money is usually transferred to your business bank account within one business day. Capital Express focuses on quick review so you can act on time-sensitive needs.
3. Does my personal credit score need to be perfect?
No. Your credit score may be reviewed, but the main focus is on your business revenue and cash flow. If your company shows stable deposits and consistent sales, you may still qualify even if your credit history is not perfect. This is one reason many owners choose Capital Express instead of a traditional bank.
4. How much will I repay in total?
The factor rate and the funded amount set the total repayment. Before you sign, the provider should show you the funded amount, the total repayment amount, and the approximate time frame based on your expected sales. Capital Express clearly lists these items in each offer so you can compare funding options.
5. Is this type of funding suitable for every business?
It is most suitable for businesses that have regular revenue and can handle daily or weekly repayments that move with their sales. If your income is very irregular, or if your profit margins are very low, you should review the offer carefully and discuss it with your advisor or with a Capital Express representative before you decide.
