Cashflo IT

Merchant Cash Advances

When you secure a merchant cash advance from CashFlo It, you will be provided with a lump sum of capital to support your business needs. In return, a percentage of your future sales will be allocated toward repaying the advance. This arrangement offers flexibility and access to immediate funds without the traditional constraints of a loan.

MERCHANT CASH ADVANCES

Merchant Cash Advances

When you obtain a merchant cash advance from CashFlo It, you’ll receive a one-time cash injection to meet your business needs. In exchange, a portion of your future sales will be used to repay the advance. This setup provides you with the flexibility and quick access to funds necessary for your business growth.

About Cash Flo It

CashFlo It is an alternative Finance company that fuels small businesses by providing fast and easy access to the working capital they need. We’re committed to your business’s success, and are proud to offer responsible small business financing you can trust.

Our Vision

Our vision is to transform the alternative Finance space to a space of integrity and trust by helping small- and mid-sized businesses grow.

Getting the financing you need from can take months. When you work with an alternative Finance company like CashFlolit LLC you can get the capital you need faster, and you can trust us to clearly explain the process and your options, as well as answer any questions you might have along the way.

Merchant Cash Advance Rates

Merchant cash advances use factor rates instead of a traditional interest rate. Factor rates are simple decimal figures that show how much “extra” you will owe on the original amount of the loan. Your factor rate is determined based on a risk assessment. Most factor rates fall between 1.1 and 1.5.

Who Should Apply for a Merchant Cash Advance?

Merchant cash advances are ideal for:

Businesses seeking fast funding—MCAs can be deposited in as little as 24 hours
Businesses that process a lot of debit and credit card transactions
B2C businesses that need smaller amounts of funding
Businesses with lower credit scores
Business owners that do not have collateral, such as real estate and other assets

Merchant cash advances can benefit restaurants, dental practices, attorneys, medical practices, gas stations, pharmacies, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

Why CashFlo It?

Quick & Simple Process

Other lenders boast speedy approvals but require merchants to complete extensive and intrusive forms. Our easy application process is built around an in-house communication center that gives our Funding Advisors and underwriters instant access to the information they need to quickly and easily provide working capital, with approval in as little as 2-5 business hours and funding in as little as 1 business day.

Responsible Funding

Our sustainable lending practices are designed to help small businesses get ahead. Traditional lenders reject most applications for small business loans, but at CashFlo It, approvals are based on your business’s potential—not your credit rating—so we’re able to fuel the growth of more small and mid-sized businesses. We won’t over-leverage your business, and unlike some lenders, we don’t restrict how you use your funds.

People First

We know there’s no “one size fits all” small business lending solution. After you fill out our quick online application, you’ll speak to a real person who will take the time to get to know your business and help you understand your funding and repayment options. If you have any questions throughout the process, your Funding Advisor is there to help—we respond to all voicemails and emails within an hour.