Merchant Cash Advance — Fast Cash
Merchant cash advances provide business-purpose working capital in exchange for repayment from future business receivables or sales.
The short answer
A merchant cash advance is an advance against a business’s expected future sales or receivables, repaid through a percentage of its revenue rather than as a fixed loan payment. Paradise Working Capital, a Hawaii-based broker, reviews the request and matches it to a participating funding source; availability varies by state.
How This Program Works
A merchant cash advance is not a traditional installment loan. It provides an advance against expected future business receivables, with repayment structured through the business’s sales or receivables. The cost, repayment mechanics, and availability must be reviewed carefully for each request and funding source.
Future sales or receivables reviewed
Business cash flow and repayment reviewed
Supporting documents required
Cost and structure vary by funding source
Merchant Cash Advance — Fast Cash Calculator
Move the sliders to see an educational funding estimate for this program. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
This calculator estimates potential Merchant Cash Advance — Fast Cash funding based on desired amount, monthly revenue, and time in business, within this program's typical range of $10K – $2M. Estimates are for illustration only and do not constitute a loan offer.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
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How It Works
The review begins with a complete form and the documents needed for the program. Timing depends on the request, the funding source, and how quickly the file can be completed.
Complete the Form and Documents
Tell us what you need, complete the application, and provide the business, financial, invoice, equipment, or property documents relevant to your request.
We Review the Full Picture
Once the requested information is in, a local advisor reviews the request and looks for potential program fits within our lending network.
Review Potential Options
If a potential fit is identified, we explain the next steps and any available proposal. The participating funding source makes the final decision.
Merchant Cash Advance — Fast Cash — Frequently Asked Questions
How is this different from a loan?
It’s an advance against future sales, repaid as a percentage of daily revenue rather than a fixed payment.
How fast can I get funded?
Some of our funding sources can approve and fund in as little as 24-48 hours once a complete application and documents are submitted. Exact timing depends on the completed application, supporting documents, and the participating funding source — no specific timing is guaranteed.
What documents do I need to apply?
Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Additional documents may be requested depending on the funding source.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.