Merchant Cash Advances

First Working Capital provides quick and simple alternative financing solutions for your businesses needs. Typical business loans involve numerous hassles such as a lengthy approval process, excessive paperwork, low approvals, personal guarantees and collateral, fund restrictions and fixed monthly payments. At First Working Capital, the funding process is simple.

Unlike traditional bank loans, merchant cash advances offer businesses working capital based on future credit card sales. First Working Capital purchases your future Visa® and MasterCard® transactions and advances that money to you today. After you receive your merchant cash advance, your processor will deduct a small, fixed percentage from your daily credit cards sales until the balance is paid back.

A merchant cash advance, also known as a business cash advance, is totally unsecured. It does not require collateral or a traditional personal guarantee. The program is available to business owners with good or bad credit. Even if you have been denied a small business loan, you may still qualify for a merchant cash advance.

First Working Capital offers high approval rates, a flexible repayment process and minimal credit requirements. Our simple, one page application can give you access to unsecured funding from $10,000 to $250,000 or more. In some cases, up to $1,000,000 in funding. Applying for a business cash advance takes only a few minutes. Once you’re approved, we e-mail you paperwork, you sign it and send it back – and usually within 3-5 days, you’ll receive a lump sum of cash.

  • 90% Approvals
  • Pre-Approvals in 24 - 48 Hours
  • Unsecured
  • No Upfront Fees
  • No Complicated Paperwork
  • No Property Liens or Collateral
  • Does Not Impact Your Ability to Qualify for Other Financing