Square Capital Merchant Cash Advance

Invite-only for Square users. Min $10K annual card processing, 20+ days usage. CBD and tax-exempt orgs ineligible. Up to $350K.

Eligibility

Square user, min $10K annual card processing, 20+ days usage

Factor rate 1.09-1.31. $5K-$600K. 3-6mo TIB. No hard min revenue but need 3mo bank + CC statements.

Min $250K annual gross revenue. 6mo TIB for working capital. FICO 600-670. Factor rates starting 1.10. Up to $500K.

Accepts startups and challenged credit. Rates 8-30% annually (most 10-20%). No min revenue or TIB for startups.

Factor rate 1.11-1.45. $5K-$600K. FICO 550+. 6mo TIB. Min $20K/mo avg revenue. Daily/weekly debits.