How It Works

Simply Funding can advance your business by purchasing up to $250,000 of its future sales, today! We'll pay your business upfront, then collect a small percentage of future sales as they occur until a pre-determined amount is collected. Sometimes referred to as a business advance or merchant cash advance, an advance is perfect for almost every business type, including restaurants, bars, medical facilities, retail stores, and online merchants. An advance is not the same as a business loan. It's actually a purchase and sale agreement. Simply Funding will purchase the proceeds of the future sales upfront (the advanced amount) then collect a percentage of your future gross deposits (the purchased amount) by scheduling an ACH debit from your business checking account or collecting directly from your credit card processing transactions.

Advance Programs

The entire process takes just a few business days. First, we will review your business and its history to determine if we would like to buy your future receivables. You will need to submit a few documents, such as bank statements, so we can make our decision. Once a transaction is approved, Simply Funding delivers the payment to your business by wire transfer.

Starter Program

$50,000 Max Funding
500+ Credit Score
3+ Months in Business
$10,000+ Monthly Sales

Apply Now

Premium Program

$250,000 Max Funding
680+ Credit Score
3+ Years in Business
$50,000+ Monthly Sales

Apply Now

Standard Program

$125,000 Max Funding
550+ Credit Score
1+ Years in Business
$10,000+ Monthly Sales

Apply Now

Frequently Asked Questions

How does Simply get paid?

We collect a percentage of your gross deposits from your checking account, credit card processing transactions, or vendors depending on the program.

Can you give me an example?

Simply pays your business $10,000 upfront in exchnge for $10,800 of proceeds from future sales.

What is my interest rate?

Becuase this is not a loan, there is no interest rate or APR associated with purchasing future receivables.

What if I have bad credit?

Our agreement to buy your future receivables is primarily based on sales history and the probability of having future sales.

Do I need to accept credit cards?

No. You do not need to accept credit cards. We purchase all forms of business receivables, including cash, checks, and invoices.

How long do I need to be in business?

Your business needs to be open for at least 3 months to be eligible to sell receivables to Simply Funding.

P: (800) 661-1864

45 Broadway, 24th Floor
New York, NY 10006

Terms of Service
Privacy Policy

Simply MCA Terms of Service and Privacy Policy

1. Terms

By accessing the website at, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. Use License

  1. Permission is granted to temporarily download one copy of the materials (information or software) on Simply MCA's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    3. attempt to decompile or reverse engineer any software contained on Simply MCA's website;
    4. remove any copyright or other proprietary notations from the materials; or
    5. transfer the materials to another person or "mirror" the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Simply MCA at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

  1. The materials on Simply MCA's website are provided on an 'as is' basis. Simply MCA makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
  2. Further, Simply MCA does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Simply MCA or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Simply MCA's website, even if Simply MCA or a Simply MCA authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Accuracy of materials

The materials appearing on Simply MCA's website could include technical, typographical, or photographic errors. Simply MCA does not warrant that any of the materials on its website are accurate, complete or current. Simply MCA may make changes to the materials contained on its website at any time without notice. However Simply MCA does not make any commitment to update the materials.

6. Links

Simply MCA has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Simply MCA of the site. Use of any such linked website is at the user's own risk.

7. Modifications

Simply MCA may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of NY and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Privacy Policy

Your privacy is important to us.

It is Simply MCA's policy to respect your privacy regarding any information we may collect while operating our website. Accordingly, we have developed this privacy policy in order for you to understand how we collect, use, communicate, disclose and otherwise make use of personal information. We have outlined our privacy policy below.

  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
  • We will collect and use personal information solely for fulfilling those purposes specified by us and for other ancillary purposes, unless we obtain the consent of the individual concerned or as required by law.
  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
  • We will protect personal information by using reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
  • We will make readily available to customers information about our policies and practices relating to the management of personal information.
  • We will only retain personal information for as long as necessary for the fulfilment of those purposes.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. Simply MCA may change this privacy policy from time to time at Simply MCA's sole discretion.

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