Need a helping hand?
For eligible businesses, Transactra can help review working-capital options through approved funding partners. Approval, terms, cost, repayment structure, and eligibility vary.
0–48 hrs
Typical funding speed
After approval and signed agreement.
Up to 0%
Of monthly revenue
Illustrative max; actual amounts vary.
0
Page application
Minimal paperwork to get started.
Funding built around how you actually do business
Revenue-based
Approvals weigh your sales and deposits, so strong businesses qualify even with imperfect credit.
Fast access
Many merchants are funded in 24–48 hours after approval — not weeks.
Simple paperwork
A short application and a few months of statements is usually all it takes to get an offer.
Flexible payback
Repayment can flex with your sales, easing the pressure during slower periods.
Bank turn-downs welcome
We work with businesses banks often decline, including newer and seasonal operations.
Use it your way
Inventory, payroll, equipment, expansion, or covering a gap — it's your capital.
How much could you borrow?
A quick, private estimate. Enter your numbers to see your potential funding range, then get your real offer emailed to you for free.
See how much you could qualify for
Enter a couple of numbers for an instant, no-obligation estimate of your potential funding range.
Estimated funding range
Enter your numbers and tap Estimate My Funding to see your potential range here.
Funding estimates are illustrative only and are not an offer, approval, or guarantee of funding, amount, rate, or terms. Actual offers depend on the funding provider, underwriting, business revenue and deposits, time in business, credit, industry, and a signed agreement. Not a loan commitment.
Merchant cash advance questions
Is a merchant cash advance a loan?
A merchant cash advance is a purchase of future receivables, not a traditional loan. Structure, costs, and terms differ from bank loans and depend on the funding provider.
How much can I qualify for?
Offers are typically based on your average monthly revenue, time in business, deposits, and industry. The calculator gives an illustrative range — your real offer is confirmed after a quick review.
How fast can I get funded?
Many merchants receive funds within 24–48 hours of approval and a signed agreement, though timing varies by provider and file.
Will it hurt my credit to check?
Getting an estimate and starting a conversation does not require a hard credit pull. Any credit review happens later, with your consent.
Do you fund high-risk industries?
Often, yes. We work with specialized funders across many industries. See our high-risk solutions page for more.
Calculator results are estimates only and not a quote, guarantee, or approval. Actual savings, pricing, program eligibility, and equipment terms depend on merchant profile, card mix, transaction volume, average ticket, risk, processor/acquirer approval, card-brand rules, state laws, disclosures, and signed agreement.
Find out what you qualify for
Get a free, no-obligation funding estimate and offer — fast.