Skip to main content
Clear Choice Cap

Merchant cash advances · $5K to $500K

Working capital, with every number in clear view.

Clear Choice Cap helps small businesses access fast, revenue-based funding. You see the funded amount, total payback, and remittance schedule before you sign, so the choice is always yours.

Apply in Minutes Estimate Your Funding

No obligation. Checking your options will not affect your credit score.*

Sample offer summary

Illustration
Funded amount
$50,000
Factor rate
1.32
Total payback
$66,000
Remittance
Weekly, est. 9 months
Fees disclosed
Itemized

Example for illustration only. Not an offer. Actual amounts, factor rates, and terms depend on underwriting.

Why Clear Choice Cap

Fast funding without the fine-print guesswork

Speed matters when payroll is due or inventory is running low. So does knowing exactly what you are agreeing to.

Revenue-based review

Underwriting focuses on deposits and cash flow, so a strong business with less-than-perfect credit can still be considered.

Fast turnaround

A short application and recent bank statements are usually all it takes to start. Many files receive a decision within one business day.

Every number up front

Before you sign, you see the funded amount, total payback, factor rate, remittance schedule, and any fees in plain language.

Remittances that fit cash flow

Daily, weekly, or percentage-of-sales remittance structures, depending on the program and your business.

No real estate collateral

Most advances do not require property or equipment as collateral. A performance guarantee from the owner is typical.

One specialist, start to finish

A dedicated funding specialist walks you through options, answers questions, and never pressures you to accept.

How It Works

From application to funding in four steps

  1. Step 1: Apply online

    Tell us about your business in a few minutes. Checking your options carries no obligation.

  2. Step 2: Share statements

    Upload or send your last 3–4 months of business bank statements so we can review real cash flow.

  3. Step 3: Compare clear offers

    Review available amounts, factor rates, total payback, and remittance terms side by side with your specialist.

  4. Step 4: Sign and receive funds

    Accept the option that fits, sign your agreement, and funds are sent to your business checking account.

Start Step One

Funding Calculator

Estimate a realistic funding range

Move the sliders for a conservative, illustrative estimate based on common MCA guidelines. This is not an offer or approval.

$40,000

Average monthly deposits into your business account ($5K – $500K+)

$50,000
2 years

1 month to 10+ years

Current open advances

How this estimate works

We apply a conservative multiple of monthly revenue that grows with time in business, then reduce it for any open advances. Figures are rounded down, and the range never exceeds the amount you request.

Estimated advance range

$20,000 – $40,000

Sample factor rate
—
Sample total payback
—
Typical term
—
Apply for Your Actual Offer

Estimate only — not an offer, approval, or commitment to fund. Ranges use simplified, conservative assumptions. Payback is shown on the top of the range. A merchant cash advance is not a loan; actual amounts, factor rates, fees, and terms are set only by underwriting and a written agreement.

Who It’s For

Built for businesses with steady sales

If your business brings in consistent deposits and needs capital faster than a bank can move, an MCA may be worth considering.

  • Restaurants & food service
  • Retail & e-commerce
  • Construction & contractors
  • Trucking & logistics
  • Auto repair & dealers
  • Medical, dental & wellness
  • Salons, spas & fitness
  • Professional services
  • Wholesale & distribution
  • Hospitality & events
  • Home services & HVAC
  • Manufacturing

Typical guidelines

Time in business
6+ months
Monthly revenue
$15K+
Bank account
Business checking
Credit
All profiles reviewed

Guidelines vary by program and funding partner. Meeting them does not guarantee approval, and some businesses outside them may still have options.

Common uses of funds

  • Inventory and supplies
  • Payroll and seasonal staffing
  • Equipment purchase or repair
  • Marketing and expansion
  • Bridging slow-paying receivables
  • Covering an unexpected expense

Straight Talk

What a clear offer should show you

A merchant cash advance is not a loan. It is a purchase of your future receivables, priced with a factor rate instead of an interest rate, and it typically costs more than traditional bank financing in exchange for speed and flexibility. Before you accept any offer, from us or anyone else, make sure you can point to each of these items in writing.

  • Funded amount

    What actually reaches your account, net of any fees.

  • Total payback

    The full purchased amount you will remit over the term.

  • Remittance schedule

    Daily, weekly, or percentage, and the estimated amount each time.

  • Fees and reconciliation

    Every fee itemized, plus how payments adjust if sales slow down.

FAQ

Questions business owners ask us

What is a merchant cash advance?
A merchant cash advance (MCA) is not a loan. It is the purchase of a portion of your business’s future receivables at a discount. You receive a lump sum up front, and the funder collects an agreed share of your sales, or fixed daily or weekly remittances, until the purchased amount has been delivered.
How much could my business receive?
Advance amounts are based mainly on average monthly deposits, time in business, and any existing advances. Typical approvals fall somewhere between half and one times average monthly revenue, and range from about $5,000 to $500,000. The calculator above gives a rough, conservative estimate; only underwriting can produce an actual offer.
What does it cost?
MCA pricing uses a factor rate, commonly somewhere around 1.20 to 1.49. Multiply the funded amount by the factor rate to get the total amount you will remit: $50,000 at a 1.30 factor means $65,000 delivered back over the term. MCAs generally cost more than bank loans in exchange for speed and flexibility, which is why we show the full payback amount before you decide.
How fast is funding?
Many complete files receive a decision within one business day, and funds are often sent within 24–48 hours after the agreement is signed and verified. Timing depends on how quickly documents are provided and on the funder’s review, so it is not guaranteed.
Will applying affect my credit?
Initial review usually relies on a soft credit inquiry, which does not affect your credit score. Some funders may perform a hard inquiry later in underwriting; we will tell you before that happens.
What do I need to apply?
A completed application, the last 3–4 months of business bank statements, a voided business check, and a government-issued photo ID for each owner. Larger requests may also require tax returns or a list of existing debts and advances.
Do I qualify if I already have an advance?
Possibly. Businesses with an existing advance can sometimes qualify for additional funding or a consolidation, but open balances reduce the amount available and may affect pricing. Tell us about any current positions up front so your options are accurate.
Can I pay off an advance early?
It depends on the agreement. Because MCA cost is set by the factor rate, paying early does not automatically reduce what you owe. Some agreements include an early-payoff discount; ask your specialist to point it out before you sign.

Still have a question? Call (732) 939-8799 or email info@clearchoicecap.org.

See your real options today

The application takes a few minutes, and there is no obligation to accept any offer.

Apply Now Call (732) 939-8799

*Initial review generally uses a soft credit inquiry. A hard inquiry may occur later in underwriting depending on the product and funding partner.