ACH Cash Advance

An ACH cash advance is a purchase of your future revenue repaid through the Automated Clearing House network: fixed debits pulled directly from your business checking account on an agreed schedule. Like all MCA products, it is not a loan: the cost is quoted as a factor rate and no interest is charged.

Because repayment does not depend on a card processor, the ACH model works for businesses that invoice clients, take checks, or receive wires and transfers. The fixed schedule gives you a predictable payment you can plan around, which many owners prefer over a percentage that changes every day.

Apply in a few minutes with no hard credit pull, and we review your last few months of bank statements to verify deposit volume and consistency. Within about 24 hours you receive an offer stating the advance amount, the factor rate, the total payback, and the debit amount with its frequency (daily or weekly).

Once you sign, funds land in your business account, often the same business day, and debits begin on the agreed schedule. There is nothing to set up on your end: the debits run automatically until the total payback amount is reached.

Daily debits are smaller and more common: a set amount pulled each business day, which keeps each individual payment manageable. Weekly debits consolidate repayment into one larger pull per week, which some owners find easier to manage around payroll and vendor payments.

The right frequency depends on your deposit pattern. Businesses with steady daily deposits usually handle daily debits well, while businesses paid in weekly or project-based chunks often prefer the weekly schedule. Weekly repayment is typically offered to businesses with stronger average balances.

ACH advances use the same factor-rate pricing as every MCA product: advance amount multiplied by the factor rate equals your fixed total payback. A $30,000 advance at a 1.30 factor rate means you repay $39,000 total, spread across the scheduled debits.

Our factor rates start at 1.20, with stronger and more consistent bank deposits earning better rates. Your rate, advance amount, and total payback are disclosed in writing before you sign, so you can compare the true cost against the opportunity the capital unlocks.

The ACH model is built for businesses whose revenue lands in the bank rather than through a card terminal: construction and general contractors, trucking and logistics companies, wholesalers and distributors, B2B service providers, and medical or dental practices paid by insurance.

If your card volume is low but your bank statements show consistent deposits, an ACH advance usually fits better than a split funding advance. The key requirement is steady, verifiable deposits over the last 3 to 4 months.

A bank term loan is cheaper on paper, but it takes weeks, demands strong credit and often collateral, and many small businesses do not qualify. An ACH advance trades a higher cost for speed and accessibility: approval in about 24 hours, funding as fast as the same day, and underwriting based on revenue rather than credit score.

The honest math: if the capital lets you take a profitable job, avoid a shutdown, or capture a discount that exceeds the factor-rate cost, the advance pays for itself. If the use of funds will not generate a return, no form of fast funding is the right answer.