You wouldn’t wait ten minutes for a latte, so why wait longer for business financing?

How Much Cash Do You Need?

$8 Billion+ Funded

Over 15 years, we have funded over $8 Billion for small businesses across the country.

2 Minute Approvals

Know how much funding you can get within 2 minutes of applying.

Same Day Funds

With our online process, we can provide funds within 24 hours of approval.

American Merchant Cash Advance is cash for your business, on your terms.

Owning a business is hard enough. That’s why we make it easy to get access to the funds you need to keep it running.

Business owners need to preserve their precious cash. We help you pay for any type of business equipment as you use it, not in one lump sum. We offer low monthly payments over two to five year terms. We can even roll in soft costs like installation and shipping. You can choose between leasing and financing depending on what you plan to do with the equipment at the end of the term.

We help business owners like you solve every day cash flow problems. Payroll, inventory, taxes, improvements, and hiring can all be funded in a matter of minutes with our working capital solutions. We offer terms as short as three months to help you save on interest. We can also go out as far as two years for longer term projects. Our terms and discounts make working with us a no-brainer.

Our Process


Apply Online

Tell us a little bit about your business and get approved in less than 2 minutes.



Get Approved

Choose the terms that work best for your budget and get on with your day.



Withdraw Funds

Link your business checking account to your Cardiff loan and access your funds immediately.



Loan Payback

Loan payments are remitted automatically through ACH withdrawal either daily, weekly, or monthly.



Renew Your Loan

Pay off your loan early and gain access to more capital at better terms.



Low rates on secured financing


Double our average competitor’s approval

39 Months

Average approved term, no minimum FICO


Most customers receive additional funds within 6 months