Merchant Cash Advance Funding Tied to Your Daily Sales
Get a lump sum today and repay it automatically through a fixed percentage of your daily card sales, so payments rise and fall with revenue.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
The basics
What is merchant cash advance?
A merchant cash advance isn't structured like a traditional loan, it's an advance against sales you haven't made yet. TrustFi provides a lump sum upfront, and repayment happens automatically as a fixed percentage of your daily card sales, deducted directly through your payment processor. On a strong sales day, you repay more; on a slow day, you repay less. That built-in flexibility makes it a common fit for businesses with steady card-based revenue but inconsistent day-to-day totals, like restaurants and retail shops.
Because repayment scales with sales rather than following a fixed calendar, a merchant cash advance can work for businesses that might not qualify for a traditional term loan yet, including newer businesses or those with thinner credit files. It's typically a faster process too, since underwriting leans on your sales history rather than a lengthy credit review. Applying does not impact your credit score, and TrustFi's application takes under 10 minutes, so you can see your offer before deciding whether the structure fits.
Best suited for
- Restaurants covering a slow season without missing a fixed payment
- Retail shops stocking up on inventory before a peak sales period
- Newer businesses that haven't built a long credit history yet
- Covering an emergency repair without disrupting daily card sales
- Bridging a short-term gap while waiting on a bigger financing decision
Step by step
How it works
- 1
Apply and share your sales history
Complete TrustFi's application in under 10 minutes, including recent card sales and processing statements. Applying does not affect your credit score, so there's no downside to checking your offer.
- 2
Get an advance offer
A funding specialist reviews your daily card sales volume and reaches out within TrustFi's 2-hour response guarantee with an advance amount and repayment percentage sized to your sales.
- 3
Receive your lump sum
Once you accept, funding can arrive in as little as 24 hours, giving you capital to use however your business needs it most, from payroll to inventory.
- 4
Repay automatically through daily sales
A fixed percentage of your daily card sales is deducted automatically until the advance is repaid, so payments track your revenue instead of a flat calendar.
An honest look
The upsides, the tradeoffs, and what you'll need
Every funding product has a shape that fits some businesses better than others. Here's the straight version.
Advantages
- Payments scale down automatically during slower sales days
- Often faster approval than a traditional term loan
- Accessible to newer businesses with thinner credit files
- Funding as fast as 24 hours after approval
- No hidden fees layered on top of the advance
Tradeoffs
- Typically costs more overall than a term loan
- Daily deductions can strain cash flow on tight margins
- Best suited to businesses with strong, consistent card sales
Typical requirements
- Typically at least 4 to 6 months in business
- Typically consistent daily or monthly card sales volume
- Typically recent processing statements to verify sales history
- Typically a business bank account with regular deposits
- Typically no active bankruptcy on the business
Not sure yet?
When another option might fit better
We would rather point you to the right structure than sell you the wrong one.
Who uses this
Industries that lean on merchant cash advance
Restaurants
Funding for restaurants managing perishable inventory, equipment breakdowns, and seasonal slowdowns.
Funding for restaurantsRetail Stores
Funding for retailers managing seasonal inventory buys, storefront upgrades, and e-commerce growth.
Funding for retail storesBakeries
Financing built around thin ingredient margins, holiday demand spikes, and wholesale accounts that pay slow.
Funding for bakeriesAuto Repair Shops
Financing built for auto repair shops covering equipment, parts inventory, and cash flow between seasonal rushes.
Funding for auto repair shops
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How is a merchant cash advance different from a loan?
A merchant cash advance is a sale of future revenue, not a loan in the traditional sense. Instead of a fixed monthly payment, you repay through a set percentage of your daily card sales, so the amount deducted moves with your revenue. That's different from a term loan's fixed payment on a fixed schedule.
How is repayment calculated?
TrustFi sets a fixed percentage of your daily credit and debit card sales, which gets deducted automatically through your payment processor until the advance is repaid. On busier days you repay more, on slower days less, so the payment scales with what your business actually brings in.
Can I qualify without a long credit history?
Often, yes. Because underwriting for a merchant cash advance leans heavily on your card sales history rather than a lengthy credit review, it can be accessible to newer businesses or those with thinner credit files. Applying does not impact your credit score, so you can check your offer risk-free.
How fast can I get funded?
Many TrustFi clients receive funding in as little as 24 hours after approval, and a funding specialist reaches out within our 2-hour response guarantee once you apply. The process is typically faster than a term loan since it relies on sales history rather than a full credit review.
What kind of business is a merchant cash advance best for?
It tends to fit businesses with steady, high-volume card sales and a short-term capital need, like restaurants, retail shops, and bakeries. If your revenue doesn't run primarily through card sales, or you want a fixed payment on a fixed calendar, a term loan or line of credit may fit better.
Does a merchant cash advance cost more than a term loan?
It typically does cost more overall, which is part of the tradeoff for faster approval and payments that flex with your sales. TrustFi lays out the full advance amount and repayment percentage upfront with no hidden fees, so you can weigh the cost against the speed and flexibility before deciding.
Ready to explore merchant cash advance?
Apply in under 10 minutes and a specialist will walk you through your real options — no obligation, no credit impact.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees