At Apex Merchant Advance, we’ve streamlined the merchant cash advance process to make it simple, fast, and tailored to your business’s needs. Here’s how it works:

1. Apply in Minutes
   Getting started is easy. Simply fill out our quick online application with basic details about your business, including your average monthly credit card sales. There’s no lengthy paperwork or complicated forms—just the essential information we need to understand your funding needs.

2. Get Approved Fast
   Once you submit your application, our team reviews it promptly. In most cases, we provide a decision within 24 hours. We focus on your business’s revenue potential rather than just credit scores, making the approval process more accessible for businesses that may not qualify for traditional loans.

3. Receive Funds Quickly
   After approval, you’ll receive a lump sum of cash upfront, typically within 1-2 business days. We know how important it is to access funds quickly, whether you’re seizing a growth opportunity or addressing an urgent need.

4. Repay with Flexibility
   Unlike traditional loans that require fixed monthly payments, our merchant cash advances are repaid through a small percentage of your daily credit card sales (known as the holdback percentage). This means your payments adjust with your revenue—higher on strong sales days and lower during slower periods. This flexible repayment structure helps you manage cash flow without the stress of rigid payment schedules.

5. No Set Repayment Timeline
   There’s no fixed repayment schedule. Your advance is fully repaid once the agreed-upon amount, including the factor rate, is collected. This approach ensures that your business isn’t burdened with unaffordable payments during slower months, giving you the breathing room you need to focus on growth.

We’re committed to providing a funding solution that works as hard as you do. Our process is designed to be fast, transparent, and aligned with your business’s unique financial rhythm. Let us help you unlock the capital you need to take your business to the next level.