How It Works

Simply Funding can advance your business by purchasing up to $500,000 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.

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


  • $500,000 Max Funding
  • 600+ Credit Score
  • 2+ Years in Business


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

Frequently Asked Questions

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

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

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

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

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

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