We offer businesses access to capital they can rely on and grow with. Our flexible solutions adapt to unique business needs. Whether it’s sustaining growth, managing expenses, or needing agile funding on-demand, we’re there to help.

What is Merchant Funding and How Does It Work?

Merchant funding encompasses multiple business financing methods, mainly Merchant Cash Advances (MCAs). These methods are used by companies in retail, restaurant, or leisure industries to cover various operational and growth costs. Merchant cash advances provide small businesses with an alternative to other financing, like traditional bank loans. Business owners receive funds as a lump sum upfront from a merchant cash advance provider and repay the advance over time. An MCA can be an option for businesses that have high credit card sales volume, need funding quickly, or may not qualify for a traditional loan.

What Types of Businesses Does Engage Ventures Work With?

We focus our efforts on providing flexible and personalized solutions to our diverse customers across industries including: logistics, trucking, farming, imports & exports, medical, dental, grocery, auto repair shops, auto repair part shops, and much more - we run the gamut across small-to-medium sized businesses across all industries in the United States.

Our clients get the ability to set their own weekly or monthly payment schedules, and can save on interest if they repay early without any prepayment penalties.

Dealing with banks can be a pain. Our process for providing powerful financial tools and options to businesses eliminate the need of going through a lengthy and complicated process with a bank.

What Can Merchant Funding Be Used For?

Sustaining growth, opening up new locations, expanding operations, purchasing inventory, making payroll, and more - these are some common use-cases for MCAs.

Other times, unforeseen expenses might make it necessary to seek merchant credit funding – no one is protected from unexpected issues arising (as we’ve seen in 2020-2021). Access to resources to deal with issues as they arise can often help prevent disruption and allow businesses to continue functioning as usual.

Sometimes when a business is experiencing a boom in sales, it might become necessary to stock up on inventory in advance, which can end up being a significant investment requiring capital merchant funding without having to give up company equity

How does it work?

Once we receive your application and bank statements and if you are approved for a cash advance or a business loan, one of our team members will get in touch with you to discuss the available business advance cash loan offers and terms over the phone.