Scenario one: the diner by the freeway interchange
San Bernardino sits at the junctions of I-10, I-215 and SR-210. A diner or fuel-stop food counter near one of those routes has daily card sales, with plenty of passing customers and some regulars. Deposits are frequent, so repayment taken from receipts every day or week follows the same rhythm. The risk is the quiet week when traffic dips. A flat remittance then takes a bigger share of fewer dollars.
Scenario two: the parts and repair supplier
Take a supplier serving garages and fleets in a city that hosts a BNSF intermodal yard and large warehouses near the airport. It has walk-in sales, but a large share of revenue comes from accounts that pay on invoice. Deposits come in clumps. An advance repaid daily may force the owner to keep a cushion in the account for the days between clumps, which reduces the benefit of the funding itself.
Scenario three: the café near campus
California State University, San Bernardino anchors the city's University District. A café or print shop serving students sees strong days in term and a sharp drop between terms. The remittance does not know the academic calendar. That owner should test the quietest stretch, not the busiest, before accepting any advance.
The cost check that applies to all three
| Ask | Why it matters |
|---|---|
| What is the total I repay? | The headline amount is not the cost |
| How often is money pulled? | Daily pulls need steady cash on hand |
| Are fees taken from the advance? | You may receive less than the stated amount |
| Can I repay early? | Early repayment may or may not reduce what you owe |
For illustration, a $40,000 advance repaid at a flat daily amount takes the same dollars out on a $3,000 day and a $1,200 day. These numbers are invented, not our terms.
Before you decide, write these down
- Your best and worst weekly deposits from the past three months.
- The remittance you expect to pay, as a percentage of the worst week.
- The date each of your main bills falls due, so you can see what is left after the pull.
- What you would do if sales dropped by a fifth for a month.
If the worst-week percentage makes you uneasy, the advance is probably too large for the business or the wrong shape. Either is useful to learn before you sign instead of after.
If an advance is not the best fit
Compare revenue-based financing, a line of credit or working capital. If you already hold an advance and it hurts, see MCA relief.
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 Redlands, Fontana, Chino Hills and Victorville can apply the same way.