Skip the bank. Get working capital with revenue-based MCA funding — fast approval, no personal guarantee required.
Takes 2 minutes. No commitment.
Getting funded shouldn't take weeks. Here's how ApexFlow gets you capital fast.
Fill out the form above with your company name, monthly revenue, and how much capital you need.
Our MCA specialists analyze your revenue profile and match you with lenders who fit your business.
Once approved, funds hit your business account. Payback is tied to your daily sales — not a fixed monthly bill.
Merchant cash advances aren't loans — they're advances against future revenue. Easier to qualify, faster to fund, and no personal guarantee required.
Most applications approved within 24 hours. We handle the paperwork — you focus on your business.
Your business revenue is the collateral — not your personal assets or credit score.
Payback is tied to your daily sales. Slow month? Smaller payment. Good month? You're ahead.
One point of contact from submission to funding. We match you with the right lenders for your business profile.
Hiring, inventory, equipment, marketing — no restriction on how you use MCA capital.
Entire process online. Upload your bank statements, get a decision. No branch visits, no phone queues.
More deals per broker per month when intake and scoring are automated.
Of routine deals reach term sheet without human intervention.
Extra headcount to scale. The platform handles volume.
Everything you need to know before applying.
Businesses with consistent monthly revenue — typically $10K+/month in deposits — typically qualify. Personal credit score is not the primary factor; your business revenue history is what lenders evaluate. Even businesses with less-than-perfect credit may qualify if revenue supports the advance amount.
Approvals as fast as 24 hours from a complete application. Once approved, funds are typically deposited within 1–3 business days. Incomplete applications or unusual business structures may extend this timeline.
Most MCAs are unsecured — no specific collateral required and typically no personal guarantee. The future revenue itself serves as the repayment mechanism. Terms vary by lender, so our specialists match you with options that fit your situation.
Repayment is automatic — a small percentage of your daily credit card or bank deposits goes toward the advance (typically 5–15% of daily receipts). If sales are slow, your payment is proportionally lower. When sales pick up, you're paying it down faster.
MCAs are not loans — they're advances purchased at a discount. Repayment is tied to revenue, not fixed monthly payments. This makes them more accessible for businesses that don't qualify for traditional bank financing, and faster to obtain. The factor rate (cost) is typically higher than a bank loan, so the tradeoff is speed and accessibility vs. lower cost.
Yes — most MCA providers allow early payoff. In many cases, paying off early may reduce the total factor cost. Our specialists will review the holdback rate and early payoff terms for each offer before you commit.
Fill out the form above — it takes 2 minutes. An ApexFlow MCA specialist will review your information and reach out within 24 hours with funding options tailored to your business.