What is a Merchant Cash Advance (MCA)?

A Merchant Cash Advance isn’t a traditional loan — it’s a quick, flexible funding option based on your future sales. 

You receive a lump sum of capital upfront, then repay it through a small percentage of your daily or weekly revenue. 

The more you earn, the faster you repay — and during slower times, your payments adjust accordingly.

MCAs are ideal for businesses that process credit/debit card sales and need fast access to working capital without lengthy approvals or strict credit requirements.

• Have a reasonable credit score (typically 500+)

• Be in business for at least 3–6 months

• Process a minimum of $5,000/month in revenue
   
• Have a business banking account
   
• Accept credit or debit card payments (ideal, but not always required)

 An SBA Loan is a government-backed small business loan, partially guaranteed by the U.S. Small Business Administration. 

It offers lower interest rates, longer repayment terms, and flexible use of funds, making it ideal for business expansion, equipment purchases, or working capital.

SBA Loans are often more accessible than traditional bank loans, allowing small businesses to grow — with support, not stress.

• Have a reputable credit score (typically 680+)

• Be in business for at least 2 years

• Have a minimum average monthly bank balance of $5,000

• Show consistent revenue and the ability to repay

• Proof of business profitability

• Not operate in restricted industries (e.g., gambling, lending, speculative ventures)

 Asset-Based Lending (ABL) allows your business to secure funding using valuable assets — like accounts receivable, inventory, equipment, or real estate — as collateral. 

It's ideal for businesses with strong assets but limited cash flow or credit. ABL provides access to larger funding amounts with lower risk for the lender, making it a great option for businesses looking to grow, stabilize, or restructure.

• $250,000+ in annual revenue
   
• Assets to secure the loan (e.g., receivables, inventory, equipment, or property)
   
• 3–6+ months in business (the longer, the better)
   
• Basic financial documents (bank statements, balance sheet, accounts receivable aging report)
   
• No major unresolved tax liens or bankruptcies
   
• Credit score of 600+ (may vary depending on collateral strength)
   

Bad credit? No problem.  

At Pocket Financing, we help business owners take control of their credit — even if it’s at its worst.

Our Credit Repair program is designed to identify and challenge errors, negotiate with creditors, and guide you through rebuilding strong, reliable credit over time. 

Whether you're looking to qualify for funding or simply get your financial life back on track 

— we’re here to help.

• Must have an active business registered in the U.S.

That’s it — no credit score is too low to start fixing.

A Business Term Loan provides a fixed amount of capital that you repay over a set period — typically with monthly payments and a fixed interest rate. 

It’s perfect for larger investments like expansion, renovations, equipment, or working capital.

Unlike revolving credit, a term loan gives you predictability: you know exactly how much you owe and when.

• A credit score of 650 or higher

• At least 1 year in business
   
• Consistent monthly revenue
   
• Business banking  statements and ID