Business Cash Advance, Funded in Hours
$20,000 to $500,000+ in revenue-based financing (merchant cash advance) through one 60-second form. Approval is based on your sales, not your credit score, and a dedicated specialist explains every term before you sign. Built for established companies with 1+ year in business and $20K+ in monthly revenue. A fast merchant cash advance from $20K to $500K+, with same day mca funding available when you apply early.
- Same-day funding available on most cash advances.
- Any credit profile considered. A business cash advance is underwritten on your deposits, not your score.
- Just 3 months of business bank statements to receive cash advance offers.Some states require 4 months.
See What You Qualify For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Cash Advance in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
How much you need, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Rate, term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Same-day funding on select products; most files fund within 24 to 48 hours of approval.
One Application, Every Cash Advance Option
One 60-second form puts your file in front of the merchant cash advance funders in our network. Here is how a business cash advance works.
Merchant Cash Advance
A purchase of future receivables, not a loan. Repaid as a share of card sales, priced with a factor rate, and the fastest option when cash is needed today.
Cash Advance Based on Your Sales
Underwritten on your business deposits, not your credit score, and available from a 500 score.
Same-Day Business Cash Advance
Most merchant cash advances fund within 24 to 48 hours of approval, and many fund the same day the paperwork is complete.
Most Businesses Do
Three things decide your cash advance offers. None of them is a perfect credit score.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks. Same-day funding on select products.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Rate, term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Fast Business Cash Advance Funding Based on Your Sales
A business cash advance, also called a merchant cash advance or MCA, gives you a lump sum against future revenue. One application, a dedicated specialist and offers in 24–48 hours.
Same Day Merchant Cash Advance
Apply in the morning with recent bank statements and a same day business cash advance is possible on many files. Merchant cash advance same day funding is the fastest product RAN Funding arranges, because funders look at deposits and daily sales rather than collateral or long credit histories.
Fast Business Cash Advance
A quick business cash advance fits restaurants, retailers, contractors and service businesses with steady card or bank deposits. Whether you call it a fast merchant cash advance or a quick merchant cash advance, the process is the same: one application reaches a network of funders and your specialist brings back the offers.
Emergency Merchant Cash Advance
When equipment fails or a key supplier wants payment now, an emergency business cash advance bridges the gap without a bank timeline. An urgent merchant cash advance is approved on your revenue, so three to six months of statements and a one-page application are usually all you need to see options.
24 Hour Merchant Cash Advance
A merchant cash advance in 24 hours is realistic when your documents are complete and your business shows $20K+ in monthly revenue. If you apply late in the day, plan on a next day merchant cash advance, and your specialist will confirm the timeline before you commit to anything.
Fast MCA Funding
Quick MCA funding is built around your sales: remittances flex with revenue, so a slow week does not create a fixed-payment crunch. Same day MCA funding is available on some offers, and your specialist shows the total cost before you sign so you know exactly what you are agreeing to.
Immediate Business Cash Advance
An immediate business cash advance is designed for established businesses with 1+ year in business that need capital this week, not next month. Soft credit check to see options, offers from multiple funders side by side, and no real estate or personal collateral pledged.
Straight Answers Before You Apply
What is a merchant cash advance?
A merchant cash advance, also called a business cash advance, is a purchase of a portion of your future sales, not a loan. You receive a lump sum up front and repay it as a fixed daily or weekly amount, or as a share of card sales, until the agreed total is paid. The cost is set with a factor rate, so you know the total payback before you sign.
How fast can a business cash advance fund?
Most merchant cash advances fund within 24 to 48 hours of approval, and many fund the same day the paperwork is complete. Your specialist tells you the realistic timeline for your file before you commit to anything.
Will checking my options affect my credit score?
No. Seeing what you qualify for is a soft inquiry, which does not touch your score. A hard pull only happens if you choose to proceed with certain products, and you will be told before that happens.
What do I need to apply?
Right now, just the one-minute form on this page. To receive offers, a specialist will ask for your last three months of business bank statements (some states require four) and a one-page signed application. That is normally everything; larger amounts may also need tax returns and financials.
Can I get a cash advance with bad credit?
Often, yes. A merchant cash advance is underwritten on your business deposits and is available from a 500 score. Consistent revenue matters more than your credit history. A low score narrows the menu; it rarely closes it.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
How fast can I get a fast merchant cash advance?
A fast merchant cash advance through RAN Funding typically gets decisions within hours and funds in 24–48 hours. A same day merchant cash advance is available on some offers when you apply early with complete bank statements. Because one application reaches multiple funders at once, you compare offers instead of waiting on a single approval.
What is the difference between a business cash advance and a merchant cash advance?
They are the same product. A business cash advance, merchant cash advance or MCA is a purchase of future revenue: you receive a lump sum now and remit a portion of sales until the agreed amount is paid. A fast business cash advance is often chosen by owners with strong daily deposits who want funding quickly without collateral.
Can I get an emergency merchant cash advance with a soft credit check?
Yes. An emergency merchant cash advance is underwritten mainly on your bank deposits and sales, so a soft credit check is enough to see options. You need 1+ year in business and $20K+ in monthly revenue. Your specialist pursues fast MCA funding from funders known for quick turnaround and shows the total cost before you sign.
Is a 24 hour merchant cash advance realistic for my business?
A 24 hour merchant cash advance is realistic for most established businesses that submit three to six months of bank statements with their application. Files submitted late in the day usually close as a next day merchant cash advance. Either way, quick MCA funding from $20K to $500K+ is available across the U.S. through one specialist.
Ready When You Are
One minute to see your cash advance options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.