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Merchant Cash Advance with Lends Well

Apply in as little as 6 minutes and hear from a dedicated loan specialist within one hour.


Anticipated duration between 3 months to 18 months


Factor rates as low as 1.152

Advance from $5,000 up to $400,000

Applying won’t affect your credit score!*

Why a Merchant Cash Advance?

Lends Well and our network of partner lenders are here to help you navigate through the confusing world of Merchant Cash Advances. Merchant cash advances can be a good fit for small businesses that are seasonal or have fluctuating revenue and want to inject funds into their business. You’ll get a lump sum upfront and pay with a percentage of your future credit and debit sales, so that your payments are not more than what you make.

This could be a good option for small businesses needing a cash advance while still working on their credit health.


Since 2011, Lends Well has helped businesses in over 700 industries access the capital they need.

Over $10 billion lent to 50,000 small businesses national.

Pros and Cons of a Merchant Cash Advance


  • You don’t need a perfect credit score to qualify

  • You can get access to financing quickly


  • You’ll get a decision fast with a simple approval process


  • Daily payments can make cash flow harder to predict compared to other financing options

  • Fees can be higher compared to other financing options like SBA or term loans


  • Funding amount may be based on your credit and debit card sales

You deserve better business finance

Lends Well was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

Let's get started.


Start your online application

Apply online in 6 minutes with one simple application.


Review your options

Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business.


Get funded

Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer.

Merchant Cash Advance Frequently Asked Questions

1 If your business is organized as a general partnership, your credit score may be impacted.

2 Best factor rates available to merchants with excellent credit and financial strength and subject to approval by partner lender(s).

3 Approval and funding times may vary between lending partners.

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