Merchant Cash Advance

In most cases we only require basic information about yourself and your business, such as:

• Social Security number of business owner(s).
• Business Tax ID.
• Last three months of business bank statements.
• Business start date.

To qualify for funding, your business should have the following characteristics:

• Minimum three months in business.
• Minimum of $80,000 in annual revenue.
• Business checking account.
• Minimum 500 personal FICO score of the business owner.

No. If you apply for funding with Capixa, there is no obligation to accept your funding offer.

No, due to the inherent risk, most of our programs do not offer funding for this purpose.

No. At Capixa, we only work with businesses that are based in the United States and owned by a U.S citizen or permanent resident. If you are unsure about your eligibility status, please contact us.

• • Funds can be available on the same day in many cases!
  • Our application process takes only a few minutes to complete, and you’ll hear from us within an hour to answer any questions you have and collect the required documents. Once we have everything, we’ll get back to you with your options in as little as one business day.
  • After accepting the terms of the offer, the money is sent electronically to your designated business bank account.
  • You will receive a confirmation email as soon as the funds are transferred to your account.

There are no fees for applying with Capixa. Your application and your discussions with your dedicated account managers are absolutely free to you whether or not you are funded. Any costs associated with the acceptance of your funding will be clearly detailed when you are reviewing and considering your offer.

Securing an affordable rate will reduce the cost of capital on your funding agreement.

• The first step toward securing the optimum cost of capital is to determine how much capital you need.
• Borrowing too much can increase the cost of repayment and borrowing too little can leave you with getting even more expensive capital in the future.
• To avoid both of those scenarios, our dedicated account managers will walk you through your options and compare your offers to help you choose the option that best fits your needs and budget.

A cash advance leverages your future receivables to pay off the lump sum cash infusion that you received.

• The payments for this lump sum are deducted through daily, weekly, bi-weekly, or monthly ACH pulls that are a percentage of your average monthly gross revenue.
• This continues through the repayment period until the advance has been paid in full.

Yes, we set up automatic payments (ACH) from your business bank account to help ensure  you don’t accidentally miss payments.

At Capixa we take the security of our customers’ private information very seriously.

• We adhere to industry best practices when it comes to protecting our customers’ personal information, from how it is stored and accessed to how we detect and react to any suspicious activity.
• We’ll never share your personal information with unaffiliated third parties for their own advertising or marketing purposes. We only share your information to pursue options you’re interested in with our vetted and trusted partners. For more information, see our Privacy Policy.
• We encrypt any sensitive data that you share with us. Anything shared with our lenders is also encrypted in transit. Our partners also regularly assess our site and tools for vulnerabilities.

Absolutely. Our dedicated account managers are available to answer your questions from 9:00 AM to 9:00 PM EST and are additionally accessible to you via email and or text.

Our professionals will help you navigate the underwriting process with our lenders as well as walk you through any offers you receive.