Question 1: does money reach your account daily?
A merchant cash advance, as a category, is repaid through daily or weekly remittances out of your receipts. It tends to suit businesses that take card or cash payments throughout the week: restaurants, salons, retail, auto service, food trucks. Sacramento has these in every neighborhood. The city has been called the City of Trees and the River City, and it is large enough, at 524,943 people in 2020, to support an active small-business street scene.
If instead you invoice monthly, an advance may feel mismatched, because daily pulls continue while deposits sit empty.
Question 2: how steady is a normal week?
Sacramento's economy has long been dominated by state and federal government, with more than 120,000 public sector employees, and also includes a large healthcare sector. A business that serves office workers or hospital staff often has a steady pattern, strong from Monday to Friday and quieter on weekends. That predictability helps, since you can see the weekly total and judge a remittance against it.
| Pattern | What it means for remittances |
|---|---|
| Strong weekdays, weak weekends | Check the weekend deposits against the pull |
| Event or seasonal swings | Test the slowest month, not the average |
| Steady deposits all week | Easiest to budget around |
| A few large invoices a month | Poor match; compare other structures |
Question 3: what does it cost in total?
The headline amount is not the cost. The number to find is the total you will repay, plus any fees taken from the amount advanced. For illustration, a $45,000 advance that has to be repaid at a flat daily figure over a few months removes the same dollars every business day. If your sales run 15% under plan for a month, the same remittance is a heavier share of what remains. This is an example, not our terms or rates.
Question 4: what are the alternatives?
- Revenue-based financing if you want repayment that moves with sales.
- A line of credit if the same gap shows up repeatedly.
- Term loans if the money buys something that lasts.
- MCA relief if you already carry an advance that is too heavy.
A plain-language checklist before you sign
- Write down the daily or weekly remittance and divide it by your weakest week of deposits.
- Confirm whether any fees come out of the amount you receive.
- Check what the agreement says if you open a second account or change processors.
- Decide in advance how you would handle a month where sales fall well below plan.
If any of those answers worry you, pause and compare the other structures above before you commit.
How we review
We fund $25,000 to $5,000,000, with funding in as little as 24 hours once approved. We consider FICO scores of 500 and up, ask for about three months of business bank statements and do not require tax returns. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Owners in Elk Grove, Rancho Cordova, Folsom and Citrus Heights go through the same application.