Merchant Cash Advance
An advance against your card sales, repaid as you sell rather than on a fixed monthly schedule.
- Any FICO considered
- One fixed fee, no interest rate
- Repayment flexes with your sales
- No collateral
Moneta Capital. Funding sized on your deposits.
Business funding based on what your business deposits, not on what a credit score says about you.
Built for the way you run your business
We move fast
Decisions in days, not months. You get an answer while the opportunity is still in front of you.
We trust you
Any FICO score considered. We look at how the business is actually trading, not just a credit file.
We respect you
Safe, secure and confidential. Your numbers stay between you and us.
See how Moneta Capital works
Three steps, no application fee and no interest rate. You see the full fixed cost before you decide anything.
Apply
Tell us what you do, what the business deposits each month and what the money is for.
Get approved
We review your deposit history and size an advance the business can carry. You see the full fixed fee before you agree.
Get funded
Once you accept, the funds go to your account and repayment comes off your sales as they come in.
Why business owners choose Moneta Capital
An advance against your deposits, with one fixed fee, no interest rate and no application fee for finding out where you stand.
| Features |  Moneta Capital | Other cash advances | Traditional banks |
|---|---|---|---|
| Easy renewal | |||
| No hidden costs | |||
| No application fee | |||
| Any FICO considered | |||
| No collateral | |||
| Fast decisions | |||
| Flexible repayment |
Does my business qualify?
Most merchants who take card payments or bank regular deposits can be considered. Any FICO score is looked at, and asking the question costs nothing.
Your business should have a few months of history
You should be the business owner
You accept card payments or have regular deposits
Flexible financing programs
Total Deposit Advance
Sized on your total monthly deposits, not just the card volume, so cash and check businesses are not penalized.
- Sized on total monthly deposits
- No application fee
- One fixed cost you see up front
- Easy renewal as you repay
Partner Funding
For when our in house advance is not the fit. We connect you with other funding partners rather than push you into the wrong product.
- A straight answer when we are not the fit
- Introductions to other funding partners
- No application fee to ask
- Confidential either way