Do you have an office in Austin?

No. We fund Austin businesses entirely remotely, so there is no branch to visit downtown, on South Congress, or anywhere else. The application, review, and funding are all handled online and by phone.

How fast can an Austin business get funded?

Many applications are reviewed the same business day, with same-day or next-day funding available once approved. When a festival date is fixed or a client start date will not move, that speed matters.

My Austin business is event-driven and seasonal. Can I still qualify?

Yes. Event and festival-driven businesses are a natural fit because we look at overall revenue across the year, not a single slow stretch. We structure the advance around your real busy seasons.

What do I need to apply?

Most applicants need at least one year in business and $50,000+ in monthly revenue. You will provide recent bank statements and basic business information. Credit history is reviewed, but strong revenue can outweigh a weak score. Advances go up to $2.5 million.

Do you require collateral?

No. Advances are based on your business revenue, not on pledging equipment, property, or other assets. That matters for venues and production companies whose gear is already earning every week.

Local Funding

Merchant Cash Advance in Austin

We fund businesses across Austin remotely, with no branch visit and no in-person meeting required. From East Austin venues to Domain tech firms, Austin owners get working capital based on revenue, not credit scores, with advances up to $2.5 million. Apply online for same-day or next-day funding.

Free funding check

See What You Qualify For

Takes under 2 minutes. No hard credit pull, no upfront fees, no obligation.

The Austin business landscape

Austin's economy runs on two very different clocks, and both create cash flow timing problems. The tech clock: startups, corporate relocations, and a deep bench of software and creative firms that hire fast, spend fast, and bill enterprise clients on 60-day terms. IT service firms, marketing agencies, and staffing companies place people and deliver work now, then wait two months to collect. The growth has been so fast that commercial rents and wages keep climbing, which means fixed costs keep climbing too.

The music clock: Austin is the live music capital of the world, and the entertainment economy around it is almost entirely small business. Venues, bars, sound companies, lighting outfits, promoters, caterers, and event staffing firms ride the festival calendar: SXSW in March, Austin City Limits in October, and a year-round slate of shows. Event vendors spend heavily ahead of the big weekends, hiring crews and renting gear, then wait on settlement and slow-paying clients. It is project revenue at its most concentrated.

State government and the University of Texas add steady institutional demand: contractors, food vendors, and service firms working on government timelines. Construction is relentless, with residential and commercial contractors booked out and waiting on draws. Restaurants and bars from South Congress to Rainey Street compete in one of the country's toughest hospitality markets, where a slow summer or a rainy festival weekend can define the quarter. Austin businesses earn on all these clocks at once, and the funding has to match.

Industries we fund in Austin

We work with businesses across dozens of industries. These are the sectors we fund most often in Austin, each with its own cash flow rhythm and capital needs.

Live Music & Entertainment

Venues, sound and lighting companies, and promoters spend ahead of festivals and shows, then wait on settlement. Advances fund the ramp before the big weekends pay out.

Tech & Creative Services

Agencies, IT firms, and staffing companies bill enterprise clients on long terms. Funding bridges the gap between delivering the work and collecting on it.

Restaurants, Bars & Hospitality

From South Congress patios to Rainey Street bars, Austin hospitality runs on events and seasons. Funding covers slow summers, equipment, and buildouts for new concepts.

Construction & Trades

Relentless growth keeps Austin contractors booked and waiting on draws. Advances fund materials, equipment, and crews while owners wait on builders and developers.

Event Services & Production

Caterers, rental companies, and event staffing firms scale up for SXSW, ACL, and convention season. Capital funds the hiring and inventory surge before the events.

Areas served

We fund businesses in Austin entirely remotely, so there is no office to visit wherever you are located. These are some of the neighborhoods and districts we serve:

South Congress East Austin Rainey Street Mueller Zilker The Domain Round Rock

Common funding uses in Austin

Gear up for festival season: a sound company buys speakers and hires crew ahead of SXSW instead of turning down booked shows.

Survive the slow summer: a South Congress restaurant covers payroll and an AC overhaul through August, repaying out of the fall event crowds.

Bridge enterprise invoices: a creative agency makes payroll for two months while a new corporate client's first invoices age past 60 days.

Take on a bigger build: a residential contractor funds materials and a second crew for a multi-home project while waiting on the builder's first draw.

Austin funding FAQ

This is not a loan. All funding is subject to approval and underwriting.

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