Working capital for
Your last three months of bank statements are the application. Get $25,000 to $2,500,000 against sales your business has already made — no collateral, no hard credit pull, no six-week wait for a maybe. Most owners have a real answer the same day and the money wired in as little as 24 hours.
Start your free 60-second application now — no cost, no obligation, no credit impact.
New application received
You answer a few questions and upload your last four bank statements.
Preapproval ready
Underwriting reads your real deposits — not your credit score.
Accepted. Collecting your documents.
Two documents and you’re set — no tax returns, no P&L, no business plan.
Contracts sent for signature
Everything in writing before you sign: total remittance, factor rate and schedule.
Funds wired — same business day
Straight into your business checking account.
Latest in merchant cash advance & small business funding
Twelve headlines, twelve primary sources. Every one links out so you can check it yourself. All sources & references →Headlines are summaries of the linked sources and are provided for information only — they are not offers of financing, and naming an organisation is not an endorsement of TMK Financial Services by it.
Owners who got funded when it mattered.
“The process was much easier than I expected. The application was straightforward, communication was excellent, and everything moved quickly. TMK Financial made the funding process simple from beginning to end. I had the working capital I needed much faster than I expected.”
“I needed additional funding quickly to cover inventory and business expenses. TMK Financial was extremely easy to work with. The team was friendly, responsive, and the approval process moved incredibly fast. I would highly recommend them to another business owner.”
“The customer service was excellent. Every question I had was answered quickly, and the entire process was professional and efficient. I was able to get the funding my business needed without dealing with the long process I had experienced with traditional lenders.”
“My credit wasn’t perfect, so I honestly wasn’t expecting to get approved. TMK Financial took the time to review my business and helped me find a funding option that worked. The process was fast, easy, and much less stressful than I expected.”
“I was surprised by how quickly everything came together. The application was simple, I received an answer quickly, and the team kept me informed throughout the entire process. We needed immediate working capital for equipment and repairs, and TMK Financial came through.”
Merchant cash advance funding you can check before you sign.
Seals marked in amber are placeholders. Swap them for credentials TMK actually holds before this page goes live.
How a merchant cash advance works — application to money in the bank in one business day.
Banks take six weeks and a filing cabinet. A merchant cash advance looks at your revenue instead, and gives you a real answer today.
Apply in 60 seconds
Four quick questions — no application fee, no paperwork upload, and no hard credit pull. You’ll never be asked for a personal guarantee just to see your options.
Takes about 1 minuteGet a decision in as little as 2 hours
A dedicated U.S.-based funding advisor — a real person, not a portal — reviews your last three months of bank statements and calls you with actual numbers.
Same-day approvalsGet your merchant cash advance in as little as 24 hours
Approve your terms electronically and the funds are wired straight to your business checking account. Approved before 3:00 PM ET usually means same-day wire.
Wired same or next business dayNo cost. No obligation. Checking your options won’t affect your credit score.
Working capital for
A merchant cash advance is underwritten on the deposits in your business bank account, not the sign over the door. If the revenue is there, we can usually find a funder for it.
1,000+ industries funded. Don’t see yours? Call 877-906-2499 — the answer is usually yes.
“Everything was handled efficiently from start to finish. I submitted my information, spoke with a very helpful representative, and received an approval quickly. The customer service was excellent, and the process was much easier than going through a traditional bank.”
Nicole P. · New Jersey
“The people I worked with at TMK Financial were friendly, knowledgeable, and professional. They explained everything clearly and helped me get the working capital I needed without unnecessary delays. Very fast approval and excellent communication.”
Kevin L. · Pennsylvania
“I had been turned down elsewhere because of credit issues and wasn’t sure I had many options left. TMK Financial reviewed my business differently and was able to help. The approval was fast, the process was simple, and the customer service was great.”
Rachel C. · Ohio
“I needed funding quickly for repairs and operating expenses. TMK Financial responded right away and made the entire process easy to understand. Communication was great, approval came quickly, and I was very happy with how smoothly everything went.”
Anthony G. · Illinois
“TMK Financial made the entire experience easy. Fast communication, a simple application process, friendly customer service, and a quick approval. Even with less-than-perfect credit, I was still able to qualify for funding. I would definitely recommend them to other business owners.”
Stephanie B. · Tennessee
You likely qualify if…
We publish the merchant cash advance minimums our funding partners work to, so you don’t waste an afternoon finding out. Most owners who meet all five get a merchant cash advance offer.
- 6+ months in businessUnder six months? Call us — we still place some files.
- $10,000+ in average monthly revenueRoughly $120,000 a year in deposits.
- A 500+ personal credit scoreSoft review only. Most of our clients are between 520 and 650.
- A U.S. business checking accountPlus your last three months of business bank statements.
- A business located outside CaliforniaWe do not accept applications from California businesses.
It’s your money. Spend it on whatever moves the business.
Unlike an SBA loan, there’s no approved-use list and nobody asking for receipts.
Cover a gap when receivables run late.
Stock up ahead of your busy season at volume pricing.
Get the truck, oven, or line back up today.
Put real budget behind ads that are already working.
Build out, hire, and stock without waiting on a bank.
Handle an unexpected assessment before penalties stack.
Smooth the trough so you’re ready for the peak.
Burst pipe, failed inspection, lost supplier — move fast.
TMK vs. a traditional bank loan
A merchant cash advance is faster and far easier to qualify for. It also costs more than a bank loan. Here’s the trade you’re actually making.
| Merchant cash advance via TMK | Traditional bank / SBA | |
|---|---|---|
| Funding range | $25,000 – $2,500,000 | Capped by collateral and DSCR |
| Time to funding | As little as 24 hours | 3 – 12 weeks |
| Credit score needed | 500+ — soft review only | 680+ with a hard pull |
| Time in business | 6 months | 2 – 3 years |
| Collateral | Not required | Often required |
| Paperwork to apply | 3 months of bank statements | Tax returns, P&L, balance sheet, projections |
| Repayment | Flexes with your daily or weekly sales | Fixed monthly payment regardless of revenue |
| Reaching a human | 24/7 — nights, weekends, holidays | Branch hours, weekdays only |
| Restrictions on use | None | Approved-use list |
| Cost | Higher — a factor rate, disclosed up front | Lower APR, if you qualify and can wait |
Swipe the table to compare
About TMK Financial Services
A small funding brokerage for owners the banks make wait. You get an advisor with a name and a phone number, not a portal and a queue — and your file goes to a whole network of funders instead of one.
TMK is not a lender. TMK Financial Services LLC is a funding intermediary. We do not lend our own money and we do not fund advances ourselves. We review your file, package it properly, and submit it to a network of vetted third-party lenders and funders so we can bring you competing offers for a merchant cash advance or revenue-based funding from $25,000 to $2,500,000. Every advance is provided by, and every agreement is signed with, the funder — not with TMK.
One application, many funders. That is the whole point of using us. Applying to funders one at a time costs you weeks and puts a fresh set of eyes on your file every time. We submit one file across our network, compare the merchant cash advance offers that come back, and bring you the best terms we can get — so you get one advisor and one set of answers instead of ten brokers calling you for a week.
A merchant cash advance is not a loan. It is the purchase of a portion of your future receivables at a discount. It is priced as a factor rate, not an interest rate or an APR, and it costs more than a bank loan you can qualify for and wait three months to receive. We say so on this page, in the comparison table, and on the phone, because owners who understand the trade make better decisions and become better clients.
Real people, around the clock. Advisors are U.S.-based and reachable 24/7 — nights, weekends and holidays included. No offshore call centres, no phone trees, no hold music.
Merchant cash advance FAQ
A merchant cash advance is working capital a business receives today in exchange for a set portion of the revenue it earns tomorrow. Instead of borrowing against a building or a personal guarantee, you sell a slice of your future receivables at a discount and get the cash up front.
That structure is why a merchant cash advance is approved on bank deposits rather than credit score, why it carries no collateral requirement, and why the money can land in as little as 24 hours instead of the six weeks a bank takes. TMK arranges merchant cash advance funding from $25,000 to $2,500,000 for restaurants, contractors, retailers, trucking, medical practices and other revenue-generating businesses.
No. TMK is not a lender and does not fund advances with its own money. We are a funding intermediary — a broker. We review your file, package it, and submit it to a network of vetted third-party lenders and funders who compete to fund your merchant cash advance.
That matters to you in three ways. Your offer comes from the funder, not from us — the merchant cash advance agreement is between you and that funder, and its terms govern. You are not applying to one company, so a decline from one funder is not the end of the file. And we are paid by the funder when a deal closes, not by you; there is never a fee to apply or to see your options. Ask your advisor who is funding your file and what we are being paid on it, and you will get a straight answer.
No. A merchant cash advance is not a loan — it is the purchase of a portion of your business’s future receivables at a discount, in exchange for cash you can use right away.
Because it isn’t a loan, the cost is expressed as a factor rate rather than an interest rate, and state usury and lending laws generally do not apply. There is no fixed monthly payment; you remit an agreed percentage of sales until the purchased amount is delivered.
A factor rate is a simple decimal that shows the total cost of the merchant cash advance. Most factor rates in this industry fall between 1.1 and 1.5.
Worked example: a $50,000 merchant cash advance at a 1.20 factor rate means you remit $60,000 in total — $50,000 of principal plus $10,000 of cost. That figure does not change over time, so paying it back faster does not reduce it unless your agreement includes an early-payoff discount. Ask your advisor for the exact factor rate, total remittance amount, and remittance schedule in writing before you sign anything.
No. Reviewing your options with TMK involves a soft review only, which is not visible to other lenders and has no effect on your personal credit score. There is no cost to apply and no obligation to accept any merchant cash advance offer you receive.
Often, yes. Underwriting looks primarily at your business bank deposits and revenue consistency, not your FICO score. Most of the owners we place a merchant cash advance for sit between 520 and 650, and a discharged bankruptcy is not an automatic decline. Consistent deposits and a positive average bank balance matter far more than your credit report.
Decisions come back in as little as 2 hours on complete files, and merchant cash advance funding follows in as little as 24 hours. Files approved before 3:00 PM ET are frequently wired the same business day.
Our funding advisors answer 24/7, so you can apply and get your questions answered at 2am on a Sunday. Bank wires, however, only move on business days — so a file approved over the weekend funds on the next banking day. Missing statements or a verification hold can also add a day.
To get a merchant cash advance offer: your last three months of business bank statements. That’s it — no tax returns, no P&L, no business plan.
At closing we’ll also need a government-issued photo ID, your business tax ID (EIN), and a voided check or your account and routing numbers.
Remittances are collected automatically from your business checking account on a daily or weekly schedule, or as a fixed percentage of your card sales. Because it moves with your revenue, a slower week means a smaller remittance, and the schedule reconciles against your actual sales. Most merchant cash advances are fully remitted within 3 to 18 months, depending on how quickly your receivables come in.
Yes, and there is never a prepayment penalty. Depending on your agreement you may also qualify for an early remittance discount that reduces the total amount owed. Ask your advisor whether your specific merchant cash advance offer includes one — get the answer in writing.
We do not accept applications from businesses located in California. If your business is based in California we will not be able to help, and we would rather you knew that before you spent time on an application than after.
Outside California we arrange merchant cash advance funding for businesses across the United States. Availability still varies by state and by funder, so if you are unsure whether we cover yours, call 877-906-2499 and an advisor will tell you in a sentence.
Our funding partners cover merchant cash advance financing for restaurants, retail, auto and truck repair, trucking and logistics, construction and trades, medical and dental practices, salons and spas, e-commerce, professional services, and most other revenue-generating small businesses.
A short list of industries we cannot fund includes adult entertainment, cannabis, firearms and ammunition, bail bonds, check cashing and money transmission, gambling, debt collection, and multi-level marketing. Not sure where you land? Call us.
Sometimes. Second-position merchant cash advance funding is available from some of our funders for businesses with strong, consistent deposits, though terms are shorter and the cost is higher. Bring your existing agreement to the call and your advisor will tell you straight whether a second position makes sense or whether a consolidation is the smarter move.
Find out what your business qualifies for — a merchant cash advance from $25,000 to $2,500,000.
No cost. No obligation. No hard credit pull. Just a straight answer from a real funding advisor — any hour, any day.
Funding advisors available 24 hours a day, 7 days a week — including nights, weekends and holidays.
Sources & references
Every statistic, rule and date cited on this page comes from one of the sources below. All of them are regulators, Federal Reserve banks, law firms of record or established publishers — no industry blogs. Links open in a new tab.
Small-business credit conditions
- Federal Reserve 2026 Small Business Credit Survey — Report on Employer Firms Open source
- Fed Communities 2025 Small Business Credit Survey — key insights and the funding gap Open source
- Federal Reserve Bank of Kansas City Small Business Lending Survey, fourth quarter 2025 Open source
- U.S. Small Business Administration SBA 2025 annual report on 7(a) and 504 lending Open source
Regulation & disclosure
- Venable LLP State commercial financing disclosure laws — current tracker Open source
- Texas Register / OCCC Adopted sales-based financing rules, 7 TAC §§86.301–86.322 Open source
- Sheppard Mullin Texas HB 700 — what sales-based financing providers must disclose Open source
- National Law Review California DFPI commercial financing annual report deadline Open source
- Consumer Financial Protection Bureau Final small business lending rule under Regulation B (1071) Open source
- Ballard Spahr Analysis: the revised 1071 rule and why it excludes merchant cash advances Open source
Naming an organisation above does not imply that it endorses, reviews or is affiliated with TMK Financial Services. Figures are as published on the dates shown in the news band and may have been updated since. If a link has moved, tell us at info@tmkfinancial.net and we will correct it.