An Advance Against Sales You Have Not Made Yet.
Not a loan — a purchase of a slice of your future receipts, repaid automatically as a share of what comes in. The payment rises and falls with the business, and the whole cost is agreed before you sign.
What Is a Merchant Cash Advance?
A merchant cash advance is a purchase, not a loan: a funder buys a fixed dollar amount of your future receipts at a discount and collects it as a percentage of each day’s or week’s takings. Because it is a purchase there is no interest rate and no fixed term — the advance is repaid when the agreed amount has been collected, which happens sooner in a strong month and later in a weak one.
Why Choose a Merchant Cash Advance
Because it is the easiest money on this site to qualify for and the quickest to arrive, and because the payment moves with the business rather than against it: a slow week costs less, automatically, with nothing to renegotiate. Approval leans on recent deposits, so a thin credit file rarely ends the conversation.
Quick Stats
- Amount
- $5,000 to $500,000
- Term
- Typically 3 to 18 months, by volume
- Repayment
- 5% to 20% of daily receipts
- Funding Time
- Within days
- Requirements
- From 551 FICO® and 30 days in business
How Does a Merchant Cash Advance Work?
You send a few months of statements and a funder sizes the advance against your volume. You agree two numbers: the amount advanced and the total to be repaid — their ratio is the factor rate. A holdback, usually between 5% and 20%, is then taken from each day’s receipts until the total is met. THAT FACTOR IS NOT AN INTEREST RATE: 1.35 means 35% of the principal, in full, however fast it is repaid. Compare it against a term loan before you sign.
Compare This Against Our Other Options
Pick another program and the two sit side by side — amounts, terms, what each is good at, and what it costs you to choose it.
Funding That Moves At Your Speed.
Three Steps To Funding Your Future
Complete the application.
Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.
Get a decision.
Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.
Receive your funds.
Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.
What Can You Do With Funding From Nanotom Capital?
- Purchase inventory
- Cover payroll
- Expand or renovate
- Launch marketing campaigns
- Stabilize cash flow
- Upgrade equipment
- Hire more employees
- Consolidate business debt
What Others Are Saying
Imran A.
Apex Logistics Group
5 out of 5
Our experience was positive. We appreciated the transparency on costs and the no-collateral requirement. Overall, they delivered on what they promised. Got $75k in less than a week.
Shelly R.
Midtown Craft Coffee
4 out of 5
Application process was easy and the rep (I think her name was Morgan?) was super helpful. Took a bit longer than I expected to finalize (4 days instead of 2), but in the end it worked out. Might try again if terms improve.
Jared P.
JP Woodworks
5 out of 5
Fast, no BS. Got funded in like 36 hrs. Helped me cover payroll during a slow week. Would reccomend.
Carlos D.
Co-founder - Fenix Automotive Services
5 out of 5
At first I was a bit skeptical—too many funding companies out there making big promises. But these guys actually delivered. The rate was a little higher than I hoped but no hidden fees and very straight forward process.
Tina M.
Owner - Bayleaf Boutique
5 out of 5
Honestly, didn’t know what to expect but this company came thru in a big way. We were short on cashflow before a big inventory push and they got us approved fast. Funds hit the next morning. Super grateful and def using them again.
Frequently Asked Questions
What is online business financing?
Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.
How does online business financing work?
You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.
How fast can I get funded?
Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.
What credit score do I need?
Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.
Will applying affect my credit score?
No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.
What can I use the funds for?
Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.
What do I need to apply?
Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.