Frequently Asked Questions

A Merchant Cash Advance provides your business with a lump sum of capital in exchange for a percentage of your future credit card sales. It's not a traditional loan, meaning there's no fixed monthly payment. Instead, repayment fluctuates with your daily sales volume, easing the burden during slower periods.

Our streamlined process is designed for speed. Once you submit your application and necessary documents, our lending partners can often provide approvals within hours, with funds deposited into your business bank account in as little as 24 to 48 hours.

To start, we typically only require a simple online application and your 3 to 6 most recent months of business bank statements. If you decide to proceed with a specific offer, the lender may request a few additional standard items like a voided check or copy of your driver's license.

No. Checking your options through Adventus Funding involves a soft credit pull, which does not affect your personal credit score. A hard pull is typically only performed if and when you accept a specific funding offer, and you will always be notified beforehand.

Repayment terms vary widely based on the product, lender, and your business's financial profile. They can range from flexible daily/weekly micro-payments tied to your revenue, to traditional monthly schedules spanning several months to a few years. We work to find terms that fit your cash flow.

Many of the products we facilitate, such as Revenue-Based Financing and MCAs, are unsecured and do not require physical collateral (like real estate or equipment). Equipment financing, however, uses the equipment itself as collateral.

Yes. Our lending partners evaluate the overall health of your business, focusing heavily on your revenue, cash flow, and time in business rather than relying strictly on a personal FICO score. Many business owners with less-than-perfect credit successfully secure funding.

Adventus Funding operates as a broker and an Independent Sales Organization (ISO). We do not lend our own capital. Instead, we use our expertise to connect you with our extensive network of top-tier lending partners, ensuring you receive the most competitive offers available.

No. Applying and reviewing your funding options with Adventus Funding is completely free and carries no obligation. We only earn a commission from the lender if you successfully secure funding.

We work with almost every industry, including restaurants, retail, construction, manufacturing, healthcare, transportation, and e-commerce. If your business generates consistent revenue, we likely have a funding solution for you.

It's a simple 4-step process: 1) Complete our brief online application. 2) Connect with an advisor to discuss your needs. 3) Review the tailored offers we secure from our lending network. 4) Select the best option and receive funds directly into your bank account.

That's exactly what our dedicated advisors are here for. Your advisor will break down the terms, rates, and repayment structures of each offer in plain language, helping you make an informed decision that aligns with your business goals.