August 10

by Michael Granados

How would you like to have a merchant cash advance with same day funding up to $25,000 and even up to $2,000,000+ without hard credit checks, and no collateral…Approved Instantly?

Yeah, it sounds too good to be true but listen to this - You’re “mining” for merchant cash advances in ALL the wrong places (Hear this next part)! The word on the street is true, You can get merchant cash advances in greater amounts than $25,000, However, you will have a hard time not only getting approved but if and when you do, you get the WRONG place, you get overpromised and underdelivered, and you get left in Massive pain feeling like people are taking advantage of you!

Luckily, I “Michael Granados” (a business owner like yourself who's struggled to get funding and a long-time Expert business loan broker/agent, pre-underwriter/underwriter - With Viral Funding Solutions) will be revealing to you what I believe is the Best Merchant cash advance company AND "Hybrid" in the industry and how you can finally get rid of the hurt being shut down by traditional banks, not being able to reach deeper into your savings and be able to ask your friends and family (anymore)...

PLUS: Not have to worry about getting a future percentage of your credit and even debit receivables taken away from (this is the "Hybrid" MCA I'm talking about!)...

And at last get the merchant cash advance that'll fuel your business to build, grow, expand and even get out of a tight pinch. Alright, let’s get into it.

What Is A Merchant Cash Advance?

Before I reveal the best merchant cash advance I have to go over very quickly what a Merchant Cash Advance is, okay?

According to Nav, a merchant cash advance provides small businesses with an alternative to other financing options, such as traditional banks. It’s where a business owner receives funds as a lump sum upfront from a merchant cash advance provider and repay the advantage with a percentage of the businesses’ sales. In other words, an MCA takes a percentage of your credit card sales.

2 Types Of Merchant Cash Advances

There are two types of Merchant cashes you can get:

  1. MCA’s over $25,000. These MCA’s usually come with higher contingencies such as:
    1. Medium/High APR Rates/Rates
    2. Low/Medium/High minimum daily payments and weekly repayments
  2. MCA’s up to $25,000. There are not very many (but you’ll see one today that's actually a Hybrid not so much an MCA), but these are more flexible where you don’t need to deal with high rates or any rates at all, you can have a much poorer credit score and be fine, and have a faster approval and same day funding.

We’re going to focus on type two right now but FIRST...You should know that the following option is NOT a "traditional merchant cash advance" with the partnership it has, as you can get a "hybrid" cash advance where you're not taken away a future percentage of your credit and even debit receivables, so you won't have to worry about fluctuations and payments that are not fixed - having fixed payments are best. 

Best Merchant Cash Advances

Here's what I believe to be the best cash advance company from the rest on the list (TRULY, go with this one above all)...

#1 Bitty Advance (BONUS: Multiple Options On Our Backend!)

bitty 5 star

If you’re in the market for a merchant cash advance amount from $2,000-$35,000 OR $2,000-$25,000 and even now up to like $100k, (I'll even show you how to get more than these amounts, keep reading), from the leader in the MCA industry who’s provided capital to THOUSANDS of entrepreneurs and small business owner in all 50 states in the U.S. and be able to get instant approval same day funding with the lowest requirements there is, then look no further than Bitty Advance.

One of my favorite features of Bitty Advance is that all you need is a 450+ (but 500+ is usually it and preferred) credit score to be approved (used to just be a 450+ FICO)! Yeah, that’s insane, right? And unheard of too. If that’s not enough I know you’ll also like that they come with:

  • Super Fast Approval and same day funding so you can get back to focusing in and on your business making sure it grows, expands and you can get out of a tight pinch which means you’ll finally get your customers and employees to get off your back (not to mention your partner).
  • Get approved with the MINIMUM requirements of a:
    • Business Checking account
    • Have 4+ months in business
    • $5,000 Monthly bank revenue
    • 500+ credit score required
    • ALL industries considered!
    • (P.S. If you don't meet any or some of the requirments above, keep reading below because there's another option with only $3k+ revenue and NO Credit requirements!)
  • Payment history will earn you more funds so you don’t have to worry about building the business you have in your vision which means you will be in greater profits much faster
  • Early pay discount so you can have the luxury of paying less in return which means you’ll keep more money in your pockets to use in your business.
  • You can receive repeat funding so you can keep growing your business and keeping it stable which means you won’t ever have to worry about getting your money when you need it most.
  • Partnered with this program to create a "Hybrid" alternative business capital called "Revenue-Based Funding" which is the opposite of a merchant cash advance since it doesn't deal with debit and credit card sales, it's far less expensive, and WAY better for you than going through an MCA. 

As you can see, there is so much to love about Bitty advance, in fact, there are many happy customers saying positively overwhelming things about it and If you’d like to see these testimonials, I made a full review of Bitty Advance you can check out by clicking the button below.

P.S If you're looking for more than $25,000, and have $15k+ per month in average monthly revenue, you can click here to get up to $2,000,000 AND Get Over $13,000 In FREE Exclusive Bonuses From Myself!

(PLUS: With the link above, you'll be able to get a look from more than one provider (not just Bitty), we'll make sure to find the right lender for you so you get the best option possible for your needs and industry - We might consider you for "Bitty" if it makes sense, but it's better to get more looks from others at the same time)

And if you're not doing $5k+ per month (but $3k+) and not $15k+ per month, click here to get funding up to $5k

P.S. The link above with only $3k+ in monthly revenue on your lowest month in the last 90 days doesn't usually consider credit requirements.

#2 Giggle Finance (Strong Option For Low Revenue And Good Alternative To The Top Option)

How does getting up to $10,000 In 10 Minutes or up to $5,000 without ANY Credit requirements sound?

Yes, you can get access to Your funds instantly and use them as fast as possible to rebound, continue to grow and expand and be at your best now and over time. Here's what I liked about Giggle:

  • They have a VERY Simple online application process where you can safely and securely get a soft approval based on your stated information and then be able to link your bank account (automatic underwriting process) so you can then see if you recieve an offer after linking. They are in partnership with Plaid.
  • You'd get Auotmatic "Weekly" repayments instread of "Daily" only like other places, so this can help you better manage your payments and how you get paid in your business to be able to cover yourself. Other times, people prefer daily because they can better micromanage and have depositing per day (high enough) and things like that.
  • You can have a personal or business checking account to use so you don't have to immeditely set up a business checking account (although moving forward, you should - this way you can move up into higher tier lenders)
  • You can be doing as little as just $3k per month in revenue so it helps the gigg workers, independent contractors, small businesses of many different shapes and sizes and more.

I did a "Live" video on the YouTube channel detailing this service that I would have displayed under here, but with my WordPress "Theme Provider" I can't place the "Live" link or embed the video to have it show under but I made a video here you can see.

If you'd like to learn more about Giggle and the best Exclusive partnership to go through to get the best look, click here:

#2 GoKapital (But Start With Above Option As That's Best)

Would like to get access from $20,000-$5,000,000 same-day and even within 3 days time?

If you're looking for quick payback structure with funds deposited into your account within hours, then GoKapital is a great alternative to Bitty Advance.

One of my favorite features is that you can get up to $5,000,000 at a reasonable low factor rate of 1.2 as opposed to being limited at $25k or $35K with Bitty advance (although you can get A LOT more with the Program Here).

I also liked that it comes with:

  • 3-18 month short terms giving you more than enough time to pay back.
  • Time to fund is is in hours as much as up to 3 days so you can power your business forward once and for all.
  • Easy 3 step application process so you don't have to worry about being hassled and feeling stressed out about it.
  • If you have an existing advance, you can get another one.
  • No collateral needed

#3 Rapid Finance (They don't just consider everyone, so it's BEST to go through option #1 Above)

The third option on our list is Rapid Finance which comes with very effective Merchant Cash Advance power that is trusted by thousands of small business owners, as well as:

  • You can apply through a mobile, tablet, or computer device.
  • You get access to dedicated business advisors every step of the way.
  • You get a streamlined and simple process for your additional funding needs.

I've made an in-depth review of Rapid Finance you can check out by clicking the button right below.

#4 Lendza (Least Favorite and Not Best, Go To Option #1 Above)

lendza mca

Are you a startup business wanting up to $350,000 in a cash advance even if you have a poor credit score? Lendza is a California-based online marketplace focused on helping you obtain working capital via a network of lenders (they’re the middlemen). If you’re worried about “legitimacy”...

Don’t worry because Lendza has an average 4-start rating over on Trustpilot. Although they don’t only focus on startups, I believe they’re better off for startups since something like Bitty Advance is best for if you’ve been in business some time.

One of my favorite features about Lendza is the approval process as it's really fast, you can get an answer right after you submit your application. If that’s not enough, I know you’ll also like this:

  • Poor credit and bad credit card history approval so you don’t have to worry about getting funded which means you’ll have the money in your pockets to not only grow your business but also work on building your credit too.
  • Flexible payment structure so you have to about a year to pay back your loan with different monthly payment amounts fixed to your needs which means you’ll have an easier and sure time paying back your loan on time.
  • Money is used for a variety of purposes so you can use it to build, grow, expand, and even get out of a tight pinch which means you’ll get through your struggles much faster
  • Technology trusted since 2015 so you can trust the process of not only filling out an application but how fast you can get it done.

Although there is much to like about Lendza, here’s what I didn’t like…

  • You have to deal with factor/interest rates from 1.14 to 1.48 or higher. So if you have a poor credit score, you’re not making a stable monthly income or any at all with a few other factors. You will get a higher interest rate.

With Bitty Advance, you don’t have to deal with any kind of interest rates since they solely base things on your monthly revenue for the most part.

Would you Like to get a Very personalized and customized email response on your Best Funding option(s) very thoroughly broken down step-by-step and like you wouldn't believe? Click here to fill out a less than 30 second questionnaire to get your option(s) and to get approved faster!.

Alternatively, there are other merchant cash advance products that aren't always same-day funding (that I really wouldn't recommend either and or first - start with the ones above - preferabbly bitty advance first) but here's more:

Merchant cash advance requirements

Every Merchant Cash Advance company will have its own set of requirements so it depends on who you go with for example the companies I demonstrated above. For the most part, companies will approve you for:

  • Bad credit score
  • Minimum monthly revenues
  • Business checking account
  • Startup or be in business for a set time
  • Many industries included
  • No collateral

NOTE: You MUST have consistent deposits per month and properly structured bank statements and transferring properly into your Business Checking Account, and I made a document detailing All this and more you can view here.

Merchant Cash Advance Application Template

If you wanted to “See” an example merchant cash advance pdf template for an application, then I handpicked one where you can just “have a look” so you know more or less what you’ll be asked. Trust me when I say this…

The application I’m about to show you is a little bit more in-depth than what you would “really” expect from a merchant cash advance application. But you get one from PDF Filter here.

Merchant Cash Advance Vs Revenue Based Funding

This is the alternative section where I want to reveal a "Hybrid" if you will of a Merchant Cash Advance called "Revenue-Based Funding"...

Which simply put is the alternative of an MCA and FAR better, here's why:

  • Revenue Based Funding is more traditional on the fact that they are WAY less expensive than an MCA, they don't charge you based on credit and debit card sales, and you get a fixed payment that doesn't change unlike in MCA's.
  • Merchant Cash Advances are usually 50% more expensive to deal with, they charge you on your future credit and debit card sales, theirs no fixed payment which can scatter your payments to be low or higher (unpredictable), and usually carry some form of interest rates/factor rates.

To break this down even further, let's look at 5 categories:

  1. Repayment flexibility. Revenue Based Funding has a fixed payment structure that doesn't change while an MCA takes a percentage of your credit card sales
  2. Application process. Little to no paperwork for both.
  3. Approval Process. A few minutes for both or it can be a few minutes vs a few days depending on the company. 
  4. Additional fees. No interest rates for Revenue Based Funding and MCA’s calculate in factor rates - but not all have rates (keep reading below to find out how you don’t have to worry about rates).
  5. Regulation. Both are flexible.

Which one is best for YOU? 

Honestly, Revenue Based Funding is because you get fast same day funding, there are no future credit and debit card sale involvement, your payment doesn't change, and it's WAY less expensive.

That's why Bitty Advance mixed with more options is the best option for you to get funding.

6 Question Pre-Approval Checklist (OR Funding Questionnaire PLUS Checklist!)

Do you find yourself stuck asking the question “what do I need to know and do before applying for ANY small business loan?”

I know the feeling, but worry no more! I’ve put together a very comprehensive 6 question walkthrough of what YOU need to be asking yourself in the “Pre-approval” phase before you even step foot into “Application mode”...

And I give you my best practices, hottest tips, and best-personalized route for you to get a merchant cash advance as well understand the different types of small business loans and more. If you’d like to pick up this Free checklist, then click the button right below:

Funding Questionnaire PLUS Checklist

What if you could not ONLY get a 6-step pre-approval lending checklist BUT a very personalized and customized email response on your best funding option(s) altogether?!

I made a less than 30 second questionnaire you can fill out that'll land in my email inbox where then I will thoroughly analyze and evaluate your answers and then show you YOUR best option(s) broken down from:

  • Introduction
  • Services
  • Qualifications
  • How They Work
  • Numbers broken down
  • Bonus Tips and Bonus Material
  • Extra behind the scenes content
  • Conclusion (what to do)
  • And More!

If you're interested in Finally getting the best response from an expert loan broker/agent who will TRULY care about you, who will guide you down the correct path and show you ALL you need to know to get the best option available without making a mistake and regretting it forever, then click the following button to fill out the questionnaire:

Final Thoughts And $13,000+ In FREE Exclusive Bonuses!

Do you feel like you have a better grasp on what a merchant cash advance, the alternatives and how you can get instant approval with same-day funding? Which of the programs shown here today was your favorite and one of better interest?

With an MCA, you get your money Lightning fast, and then you get to pay it back over the next several months through a portion of your credit card sales and listen to this…

You don’t need to have a good credit score to qualify! Poor credit is welcomed, low monthly earnings as well startups can benefit, the approval process is easy-breezy, and you can get back to focusing on what matters most to you...Your health.

Yeah, you thought I was going to say business didn’t ya? Well, that too but most importantly is that you take care of your health first and that you save yourself from all the headaches and physical pains, the worry every night before you go to bed to waking up in the morning not wanting to get your day started, right?

Luckily with a merchant cash advance and even better "Revenue Based Funding", you can make your worries disappear and get back on track to building, growing, expanding and even getting out of a tight pinch. If you’d like to get a startup loan, see here AND if you’ve been in business for at least 6+ months, are making $5,000+ PER month in revenue with a 550+ FICO credit score and have a business checking account, then click the button below to get started with Bitty Advance and the other partners I have (we beat the majority of offers out there and you get someone who values you as a person)...

Bitty Advance PLUS It's Partnership Program(s) Bonuses ($13,694 Yours Free!)

As an independent agent of bitty advance and it's funding partnership with other programs, I'm offering small business owners who get "funding" with them company over $13,000 in Free bonuses to help your business push forward faster off and online at any time.

BONUS #1: Facebook Accelerator Course($597 Value). Don’t worry about how to maximize your engagement on Facebook anymore because with my video training course which will show you step-by-step how to get maximum exposure to your products/services for the long-term, and understand what it takes to both use free methods to attract more and new customers as well as how to use paid advertising to BOOST your business forward in less times which means you'll increase your sales right away without troubles!

BONUS #2: Viral SEO Secret Hacks Course ($497 Value). I’m going to give you my COMPLETE Search Engine Optimization(SEO) course where you will be able to effortlessly get your website as well YouTube and Pinterest ready in less time than you would think. If you've been having trouble getting your website to appear in the Google, Bing, Yahoo, etc. search results, this will help you optimize for greater performance and much faster.

BONUS #3: 180 Done-For-You Emails by a legitimate and professional Copywriter($6,097 Value). These done-for-you emails are no joke, a professional copywriter has made sure to give you the best emails you can get for all types of marketing and businesses...anywhere online (seriously)! These will last you about 6 months+ then some. Just put them into your email autoresponder, sit back, relax, and watch your hard work pay off in less than a day!

BONUS #4: Special Access To ALL of My Up to Date Social Media and Extra Guides ($197 Value) - So you can have a greater way to make an impact and income on channels like Facebook, Instagram, Twitter, Pinterest, YouTube and Email Marketing which means you're going to crush it and make more money in the short and long-run.

BONUS #5: Free Access To My Private Facebook Group with 1-1 Expert Coaching($127 + Value). I have a group for like minded individuals who are growing their business and want to become or are digital entrepreneurs as well as much more. You’re also going to get full access to 1-1 Zoom calls with me, videos, and more!

BONUS #6: My Full Sales Funnel Domination Academy Course($997 Value) so you can grow and scale your business much faster and so you don't have to worry about how to use sales funnels or even create one from complete scratch! Yep, that's right, I have FREE templates I give away so you can start generating revenue right away which means you'll free up more of your time and be able to focusing on your own health and other parts of your life and even business with more focus and happiness.

BONUS #7: You'll get my fast action Storytelling for business scripts so you can "sell" without selling($97 Value) which means what exactly to You? You won't have to feel like a salesman, rather you can use stories to get your point across and make the sale without a struggle. This is crucial in brick and mortar businesses as is for digital businesses too and you'll get all the versatility to make it happen and be more hands off in your business.

Is it OK if I over-deliver for you?

Special Bonus #1: FREE Complimentary Vacation Incentive Package($1,000+ Value). How would you like to get a Free complimentary Vacation to WHEREVER You'd like to go, literally?! Whether you want to stay and visit in the US or go international, I will be giving you your dream vacation and or to any place you would like to go (Selected places available and many of them to choose from, and I'll reveal them to you). You can Relax in the sun soaked beach, gaze at the endless neon of the Vegas Strip...sample local cuisine at a picturesque Mexican plaza and so much more you can do! NOTE: This offer is ONLY Given for clients who get a funding of $25k+.

Special Bonus #2: FREE Restaurant Voucher Package ($300+ Value). I will also be gifting you a Free Restaurant incentive in the voucher amount of $100 or $200 (No catch!). I will show you where to go find locations via your zip code and send you your voucher via email fast. NOTE: This offer is ONLY given to client who get a funding of $20k+

Special Bonus #3: My Special Affiliate Marketing For Entrepreneurs Academy Mini Course($497 Value). Would you like to add another stream of income that is "passive income?" and can work for you while you're sleeping?. How about learning a business model that doesn't require you to have your own product or service to do it at all? My course will show you video training and tutorials from the ground level up, from making offers, messages, websites, funnels, email, copywriting, lead generation, traffic, ads, organic traffic, freebies, and so much more (It's INSANE!) All this is just a mini-course with expert knowledge, and if you get funding over $20k in funding, I'll unlock the WHOLE Course for you which get this...It's regularly priced at $2,097!

Special Bonus #4: FREE Access to My 6-Figure High Ticket Affiliate Marketing Funnel you can clone and use for yourself to generate high ticket commissions on the daily($597 Value) If you need help getting started and want to promote some high ticket Make Money Online offers like Legendary Marketer, I'll give you Exclusive access to my funnels with all the scripts, templates, promotional material and much much more. PLUS, I have other high ticket products you can promote at any time!

Special Bonus #5: Exclusive access to my special High-Ticket Affiliate Marketing For Entrepreneurs Academy Course($397). There are many levels of affiliate marketing and high-ticket is one of the fastest ways to help you earn $1,000's+ in commissions having to sell less products in way less time! You'll be shown the direct-route to making more commissions in less time with my material, and offers so you can hit the ground running as fast as possible without having to mess up over and over again.

Special Bonus #6: My Incredible One Blog Post Away Challenge($2,097 Value). You will get my very popular and life-changing 30 day blog challenge unlike no other out there where you will be able to build a highly profitable blog in 90 days or less time! Most people just show and tell you to get a domain and hosting and then get a website, but this is not that - I've reverse engineered the whole process and made it effective and efficient of your time so you can know EVERYTHING from getting leads, to sales, copywriting, creating your own offer(s) and so much more! 

Special Bonus #7: Discover Your Niche Mastery Blueprint PDF and document($197) You're getting in your hand my prized niche mastery blueprint where you can nail down your Niche and dominate your marketplace NO MATTER WHAT YOU DO! This blueprint uncovers the step-by-step process to selecting the RIGHT niche so you don't have to worry about making money in it or having to try again and again. There are videos in this blueprint I pulled from my Affiliate Marketing that would be worth $100's each and you'll see the 5 crucial steps before choosing a niche (most up to date)!

PLUS: I always throw in a LOAD of extra bonuses - you have to see to believe.

Total Value:


So if you'd like to get started and get approved for funding faster and pick up all these exclusive bonuses for getting funded, then click the button below to get started.

Do you have any questions, comments or concerns? Feel free to drop me a comment below and I'll get back to you ASAP.

Michael Granados

Michael Granados is an expert blogger and a 6+ figure-a-year affiliate marketer. As an expert, He's created a health and wellness brand as well enjoys helping others learn about different marketer tools, systems, and helping people achieve an awesome life personally, physically, and professionally.

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