Merchant Cash Advance · Direct funding

Merchant cash advance, funded in 4–24 hours.

Bylt Capital funds merchant cash advances directly, from $10K to $5M. Apply online, review your offer and accept without a sales call. Renewals can fund in as little as 2 hours.

Amount$10K – $5M
Term4 – 18 mo
Factor rate1.18 – 1.45
Funding4 – 24 hours
The basics

What is a merchant cash advance?

A merchant cash advance (MCA) is not a loan. Bylt Capital buys a share of your business's future receivables for a lump sum paid to you today. You deliver the purchased amount through fixed daily or weekly remittances from your business bank account until it's paid.

Cost is shown as a factor rate instead of an interest rate. Multiply the advance by the factor to get the total amount you'll deliver.

Example: a $50,000 advance at a 1.30 factor rate means $65,000 is delivered in total, so the cost is $15,000. Over 39 weekly remittances (about 9 months), each payment is about $1,667. Illustration only, not an offer.
Process

How it works

Apply online

A few minutes, with a soft credit pull. Upload your bank statements from your phone or computer.

Review your offer

See the amount, factor rate, total payback and payment schedule in your portal.

Accept and sign

Accept the offer that fits and sign online. Some files need a short funding call.

Get funded

Funds typically arrive 4–24 hours after you sign.

Is it right for you?

When it fits, and when it doesn't

A good fit if
  • You have steady card sales or bank deposits
  • You need capital fast and can't wait weeks for a bank
  • The money goes to something that pays back quickly: inventory, payroll gaps, repairs, a short-term opportunity
Probably not the right fit if
  • Your deposits are thin or falling
  • Daily or weekly payments would strain your cash flow
  • The project is long-term and an SBA or term loan would cost less
  • You already qualify for cheaper bank credit
Get ready

Requirements and documents

To qualify
  • At least 6 months in business
  • 600+ credit score
  • Steady deposits into a business bank account
Documents
  • Short online application
  • Last 3 full months of business bank statements plus month-to-date (or the last 4 full months), as PDFs from your bank
  • Driver license or state ID for each owner of 20% or more
  • Voided business check or bank letter
  • Card processing statements for the last 3 months, if you take cards
  • Over $100,000: the last 2 years of business tax returns and a year-to-date profit and loss
Renewals in as little as 2 hours. Once you've paid down part of your advance, request a renewal from your portal.
How we work

Transparent, no-pressure funding, built in

Create an account, apply, review offers and accept, all without speaking to anyone. Some products need a short funding call. Want to talk through an offer or an underwriting question? Our funding desk is here when you want it.

No sales calls

Apply, compare offers and accept online. We don't call to push you into a deal.

Every number in writing

Your offer shows the amount, the total cost and the payment schedule before you sign anything.

Talk when you want to

Email team@byltcapitalsolutions.com or message your team from the portal to go over details or underwriting questions.

Free with Bylt Capital

The first funding platform to track all your advances and applications in one place

Bylt Capital is the first funding platform where business owners can apply for funding, track their advances across multiple lenders, request renewals, and follow every document and application status, all in one place. You don't have to apply for anything: create a free account and use it just to track your advances.

Every advance, every lender

Add advances from any funder and see balances and payoff progress for all of them on one dashboard.

Track-only accounts

No application needed. Sign up free and use the portal just to keep every advance organized.

Renewals on request

Request a renewal from the portal when you're ready. No waiting on a call back.

Applications and documents

Follow each application's status and see which documents are received, pending or still needed.

Offers side by side

Compare offers for every product you applied for, and accept the one that fits.

Secure by design

Passkey or authenticator sign-in, encrypted documents, and your full SSN never sent by email.

FAQ

Merchant Cash Advance questions

Is a merchant cash advance a loan?

No. It's a purchase of a share of your future receivables at a discount. You deliver the purchased amount through daily or weekly remittances from your sales.

How fast can I get funded?

Typically 4–24 hours after you accept and sign. Renewals can fund in as little as 2 hours.

How much can I get?

From $10,000 to $5,000,000, based mainly on your monthly deposits, time in business and existing obligations.

Will applying affect my credit?

No. The application uses a soft credit pull, which doesn't affect your score.

I already have an advance with another funder. Can I still apply?

Yes. Tell us about your current advances on the application; we review them as part of underwriting.

Do I have to talk to a salesperson?

No. You can apply, review offers and accept online. Some files need a short funding call, and you can call us any time you'd like to go over the details.

Can I use Bylt Capital just to track my advances?

Yes. Create a free account and add advances from any funder, with no application required. You'll see balances and payoff progress for all of them on one dashboard.

Ranges and examples are indicative, not offers. All financing is subject to review and approval. See Disclosures.

Other ways to fund your business

See what your business qualifies for

One application, a soft credit pull and no obligation. You review every offer on your own time.