Why this hits freight-adjacent businesses hard
Fontana is a regional trucking hub, with I-10, SR-210 and I-15 crossing the city, and its economy is driven largely by industrial uses. For the many businesses that support that traffic, such as repair shops, parts suppliers, fabricators and diners, deposits can be lumpy. A fleet customer pays a big invoice, then nothing for two weeks. An advance, however, takes the same payment every day.
That mismatch is how a manageable obligation becomes a problem: the deduction does not know your invoices are late.
Seeing the squeeze in numbers
For illustration only, take a shop with deposits of $9,000 in the week after a big invoice and $2,500 in the week before. With a daily deduction of $450 across five days, it pays $2,250 a week: about 25% of deposits in the good week and 90% in the bad one. Nothing about the business is broken; the payment schedule is. These figures are examples, not any offer.
What relief is meant to do
MCA relief is designed to ease the payments on advances you already carry, so the business runs at a pace it can sustain. What that looks like depends on your balances, schedules and statements, which is why we review them before suggesting anything. It does not promise a specific reduction, and it is not right for every business. If the underlying business has stopped working, that is a different conversation.
Your paperwork list
- About three months of business bank statements, showing every debit and deposit.
- A list of your advances: holder, payment amount and frequency, approximate balance.
- A note on your best and worst recent weeks of deposits.
Please keep making payments while you apply rather than stopping on your own.
What changes when invoices arrive late
For a freight-adjacent business, the most useful number is days to collect. If customers who used to pay in thirty days now take fifty, an advance sized for the old pattern is suddenly too heavy, even though sales have not fallen. Write down your longest-waiting invoices and the date each is due. That list explains much of what the bank statements will show, and it lets a reviewer separate a timing problem from a revenue problem, which are handled differently.
Eligibility and next steps
We consider FICO 500 and above, need no tax returns, and use a soft pull on a five-minute application. Funding runs from $25,000 to $5,000,000, and sole proprietors can apply. If what you really want is new money, compare working capital, a line of credit or revenue-based financing. If you are considering your first advance, see merchant cash advances. The Inland Empire page covers the wider region. Apply here.