Commercial
Merchant Cash Advance
Fuel your business growth with CMRE's Merchant Cash Advance program. Access capital quickly and efficiently based on your future credit card sales. With rates starting at 8.5%, a Merchant Cash Advance offers a flexible alternative to traditional loans, empowering you to seize opportunities and manage your cash flow effectively.
Program Benefits
Fast access to capital based on your future credit card sales.
Flexible repayment terms that align with your sales volume.
Simplified application process compared to traditional business loans.
Use the funds for any business purpose, from inventory to marketing.
Credit score requirements starting at 640, making it accessible for many businesses.
Empower your business growth with a financing solution tailored to your revenue stream.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$5,000 - $250,000
Amortization Options
Eligible Properties
- N/A
Program Requirements
Income Documentation
- •Consistent monthly credit card sales volume.
- •Minimum annual revenue requirement (varies based on the advance amount).
- •Demonstrated history of processing credit card payments.
Asset Verification
- •Business bank account in good standing.
- •Personal or business assets may be required as collateral in some cases.
- •Clear financial records demonstrating business performance.
Insurance & Title
- •General liability insurance may be required.
- •Property insurance may be needed if the advance is used for property improvements.
- •Proof of insurance coverage.
Property Requirements
- •Minimum FICO score of 640.
- •No recent bankruptcies or significant derogatory credit events.
- •Positive credit history demonstrating responsible financial management.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
You can use a Merchant Cash Advance for a variety of business purposes, including purchasing inventory, funding marketing campaigns, covering operational expenses, renovating your business location, or expanding your business.
The funding process for a Merchant Cash Advance is typically faster than traditional loans. You can often receive the funds within a few business days after approval.
Instead of interest rates, MCAs have a 'factor rate' which is multiplied by the advance amount to determine the total repayment amount. It is crucial to understand the factor rate and associated fees before accepting an MCA.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
