Typical range
$30K–$2M
Revenue and deposits shape the review.
Structure
Sales-based
Remittance follows the selected program.
Timing
48 hours+
After a complete review and documents.
Who it can serve
A Merchant Cash Advance provides an upfront amount of working capital in exchange for a share of future business receivables. The review looks at sales activity, deposits, and business cash flow alongside the broader situation.
It can fit businesses with regular revenue that need speed or flexibility for inventory, payroll, a seasonal push, repairs, or a time-sensitive opportunity. We explain the cost, remittance, and timing before you decide whether the structure makes sense.
How terms are determined
The amount, factor, and repayment structure depend on the strength and consistency of business revenue. We explain the full picture before you choose a path; approval and funding are never guaranteed.
The practical question
What should this capital make easier?
Benefits in practice
The right structure starts with a specific business use. These are common ways merchant cash advance can support the next move.
Bridge a short-term cash gap
A clear use of funds keeps the request connected to the work it is meant to support.
01
Buy inventory before a busy season
A clear use of funds keeps the request connected to the work it is meant to support.
02
Cover payroll or operating expenses
A clear use of funds keeps the request connected to the work it is meant to support.
03
Fund a marketing initiative
A clear use of funds keeps the request connected to the work it is meant to support.
04
Handle an unexpected repair or opportunity
A clear use of funds keeps the request connected to the work it is meant to support.
05
Quick start
Access working capital based on business sales and cash flow when an opportunity cannot wait. Share the goal, timing, and use of funds so the first conversation can stay focused on the work ahead.
Start with a few details
A few details give the next conversation a useful place to begin.
Trusted Funding Partners
At New Reign Lending, we appreciate how investing in relationships brings mutual prosperity. Who we partner with ensures the best services available for our customers.
Over 6,000 Lenders
A network spanning major national banks, private banks, and alternative lenders offers a wide variety of products for many different credit profiles, business types, and industries.
Partner network artwork is temporarily unavailable. New Reign Lending continues to connect customers with a network spanning major national banks, private banks, and alternative lenders.
To discuss potential opportunities, please call (214) 307-6302
Toll-Free: 888.417.0998Questions, answered
Review the details, then bring the remaining questions to a real conversation.
No. It is generally structured around future receivables rather than a fixed-term loan. The right fit depends on revenue pattern, cost tolerance, and timing.
No. Business revenue and cash flow can be important parts of the review, alongside the broader health of the business and purpose of the request.
Some clients are funded within 48 hours after a complete review, but timing varies by the situation, documentation, and selected solution.
Keep exploring
Related services
Related industries
Helpful resource
Review our client guide to explore funding solutions and next steps.
Download Client GuideReady to explore merchant cash advance?
Tell us what you are building toward. We will help you understand the options, the requirements, and the next step.
