Your Business Funding Questions, Answered

A business cash advance is a financing solution where a funder in our network provides upfront capital in exchange for a percentage of your future sales. USC arranges these transactions as a broker. Repayments are made through daily or weekly withdrawals based on your business's sales performance, making it flexible and aligned with your cash flow.

Through our funder network, businesses can access advances from $20,000 to $5,000,000. The exact amount depends on your business's monthly sales volume, cash flow history, and overall financial health. Our team will work with you to determine the right amount for your specific needs.

Once approved, funding can be available as quickly as the same day. Our streamlined process takes 24-48 hours from application to funding, depending on how quickly you provide the required documentation and complete the approval process.

To qualify for funding, your business should: be operating for at least 1 year, have minimum monthly sales of $30,000, be located in the United States, and have a business bank account. We also consider your business's cash flow patterns and overall financial health.

You'll need: 3-6 months of business bank statements, a voided business check, basic business information (legal name, address, tax ID), and owner identification. Additional documents may be requested based on your specific situation.

Pricing is set by the funder and depends on factors such as your business's risk profile, the amount requested, and repayment terms. We 'll make sure you have a clear breakdown of all costs before you accept any offer

Many funders in our network allow early payoff without prepayment penalties — confirm in your funder's agreement. Early payoff can often reduce the total cost.

In most cases, no specific collateral is required. Funders in our network primarily evaluate sales performance and cash flow rather than physical assets. However, a personal guarantee may be required by the funder.

We focus primarily on your business's performance rather than personal credit scores. While credit is considered, it's not the primary deciding factor. Strong business cash flow and sales history can often overcome credit challenges.