How we underwrite.
01
We fund businesses, not scores.
Banks see a credit number. We read cash flow, customer base, and momentum — and we underwrite from there.
02
The terms are the terms.
Factor rate, total repayment, and remittance schedule are in writing before you sign. If the numbers don’t work for you, they don’t work for us.
03
Capital tailored to the business.
A cash advance isn’t right for every operator. Some need a revolving line; some need a multi-year term. The product fits the business, not the reverse.
$1.2B+
Capital Deployed
Across 1,500+ American businesses.
90%
Approval Rate
For qualified small business applicants.
24h
Funding Speed
From application to operational deposit.
1.10
Factor Rate
Lowest starting rates on MCA deals.
Commercial Capital
We fund every deal ourselves—underwritten in-house, priced straight, closed by the same desk that first picks up the phone. No middle layer, no bait-and-switch.
01
( $5K – $20M )
( 4-8 hours )
( $10K/mo revenue · 6+ months in business )
Merchant Cash Advance
Revenue-based capital, funded in 24 hours.
02
( $25K – $20M )
( 24 hours )
( Strong credit · established revenue )
Term Loan
Fixed monthly payments. 1–10 year terms.
03
( $10K – $5M )
( 4-8 hours )
( $15K/mo revenue · 550+ FICO )
Business Line of Credit
Revolving capital you draw on demand.
From application to deposit, in three steps.
01
3 min
Apply
Three minutes. Basics about your business and last three months of revenue. No credit pull at this stage.
02
Same day
Approved
Our underwriting desk reviews your file, prices it against our own capital, and presents terms — usually same day.
03
Less than 24 hrs
Funded
Sign electronically. Capital lands in your operating account, often within 24 hours of approval.
Industries we fund.
We fund the businesses that keep neighborhoods running. 10,000+ and counting.
01
Restaurants
Expansion, equipment, seasonal cash flow.
02
Trucking & Logistics
Fleet additions, repairs, fuel cost gaps.
03
Medical & Dental
Equipment, build-outs, insurance reimbursement timing.
04
Retail & E-commerce
Inventory buys, seasonal stocking, new locations.
05
Construction & Trades
Material costs, payroll between draws, new equipment.
06
Auto Repair & Body
Parts, tools, lift additions, shop expansion.
07
Salons & Beauty
Build-outs, chair additions, product inventory.
08
Professional Services
Office build-outs, hiring, marketing spend.
09
Wholesale & Distribution
Bulk inventory, warehouse expansion, fleet.
Answers before you call.
How fast is '24 hours'?
What do I need to apply?
For qualified applicants, capital can hit your operating account in as little as 24 hours from approval. Our team moves in real-time to fund the businesses banks typically delay.
Preparation is simple. You will need your basic business information and your bank statements from the last three months. We evaluate your momentum, not just a credit checklist.
Do you fund businesses with tax liens?
What if my business is under 6 months?
Yes. We review each application based on current cash flow and business potential. Challenges like tax liens or prior positions are factored into the tailored terms we propose.
While our standard Merchant Cash Advance requires 6 months in operation, we encourage you to apply. We can often recommend entry-level solutions for promising young enterprises.
Your next move, funded.
Three minutes to apply. A funding advisor calls you back within an hour. Capital can hit your account inside a day.
Or call ‪(609) 436-0027‬ — Mon – Fri, 9–6 EST
Your information is encrypted in transit and at rest. Credit inquiries are performed only with your explicit authorization. Creswell Capital does not sell personal information.