Find answers to common questions about our business funding solutions, approval process, and repayment terms.
We offer four primary funding solutions:
1. Merchant Cash Advances (MCA): Get a lump sum in exchange for a
percentage of future credit card sales.
2. Business Lines of Credit: Access revolving credit whenever you need it.
3. Equipment Financing: Purchase or lease equipment your business needs.
4. Invoice Factoring: Convert unpaid invoices into immediate cash.
Each solution is designed to meet different business needs and cash flow situations. Our funding specialists can help you choose the best option for your business.
Our average approval time is just 24 hours. In many cases, we can provide a decision even faster—sometimes within just a few hours of receiving your complete application.
Once approved, funds are typically deposited into your business account within 1-3 business days. We understand that time is critical for small businesses, so we've streamlined our process to get you the capital you need as quickly as possible.
Our basic requirements are straightforward:
Unlike traditional banks, we focus more on your business performance than personal credit scores. Even if you've been turned down by banks, you may still qualify for funding with FlowCap.
Funding amounts typically range from $10,000 to $1,000,000, depending on your business revenue, time in business, and the type of funding you're applying for.
Merchant Cash Advances: $10,000 - $1,000,000
Business Lines of Credit: $10,000 - $500,000
Equipment Financing: $10,000 - $1,000,000
Invoice Factoring: Based on invoice amounts
We'll work with you to determine the appropriate funding amount based on your business needs and ability to repay.
A Merchant Cash Advance (MCA) provides you with a lump sum of cash upfront in exchange for a percentage of your future credit card and debit card sales.
Here's how it works: You receive the full funding amount immediately. Then, a small percentage of your daily credit card sales is automatically remitted to us until the advance is repaid. This means payments adjust with your sales volume—when sales are high, you pay more; when sales are slow, you pay less.
There are no fixed monthly payments, making MCAs ideal for businesses with seasonal or fluctuating revenue.
Factor rates for MCAs typically range from 1.1 to 1.5, depending on your business performance, time in business, and industry. For example, with a factor rate of 1.3, if you receive $10,000, you would repay $13,000 total.
Unlike interest rates, factor rates are fixed and don't compound over time. The total repayment amount is determined upfront, so there are no surprises. We'll always explain your factor rate and total repayment amount before you accept funding.
Our application process requires minimal documentation:
That's it! We don't require lengthy business plans, tax returns, or collateral. The application process is simple and straightforward, designed to get you approved quickly without unnecessary paperwork.
No. Our initial review process does not involve a hard credit pull, so applying will not impact your personal or business credit score. We focus primarily on your business performance and cash flow rather than credit scores.
Even businesses with less-than-perfect credit can qualify for funding. We understand that credit challenges happen, and we look at the bigger picture of your business health and potential.
Repayment methods vary based on the funding type:
Merchant Cash Advances: A small percentage of daily credit card
sales is automatically remitted until repaid. Payments fluctuate with your sales.
Business Lines of Credit: Flexible repayment schedule, typically
weekly or monthly payments.
Equipment Financing: Fixed monthly or weekly payments over the
loan term.
Invoice Factoring: Repaid when your customer pays the invoice
(we purchase the invoice from you).
All repayment terms are clearly explained before you accept funding, and there are no prepayment penalties if you want to pay off your balance early.
Yes! Once you've repaid at least 50% of your current advance and maintained a good repayment history, you may be eligible for renewal funding. Many of our clients use FlowCap as their ongoing capital partner, accessing funding multiple times as their business grows.
Renewal applications are even faster since we already have your information on file. Our loyal clients often receive better terms on renewal funding as well.
Absolutely not. Transparency is one of our core values. All fees and costs are clearly disclosed upfront before you sign any agreement. What you see is what you get—no surprise charges, no hidden fees.
The total repayment amount is determined at the time of funding and will never increase. We believe in honest, straightforward terms that you can trust.
We work with a wide variety of industries including:
If your business accepts credit cards or has regular receivables, we can likely help. Contact us to discuss your specific industry and funding needs.
Speak with a funding specialist who understands your business needs
Mon-Fri: 9AM - 6PM EST • Average response time: Under 1 hour