Merchant cash advances in San Francisco

Fuel your business without the wait. A merchant cash advance in San Francisco gives you fast access to capital.

Merchant cash advances in San Francisco that work for you

Unlock the Benefits of a Merchant Cash Advance (MCA) Today!

Fast funds, no friction
Submit your application in minutes. You could be approved in just 2 hours and have funding in as fast as 4 hours.

Use it where it counts
Need to catch up on payroll, stock up before a rush, or invest in a short-term project? It’s your call.

Remittances that flex with sales
Remittances are tied to your revenue. Slow month? Your remittance adjusts automatically.

Request a quote

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Benefits of a San Francisco merchant cash advance

Fast approval in as little as 2 hours

Apply online in minutes

Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.

With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.

Credibly provides merchant cash advances with:

Up to $600,000 in financing
Terms of up to 24 months*
Factor rates as low as 1.11

You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.

Approval is based on your future, not your past

Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.

To qualify for an MCA, you will likely need:

500+ credit score
6+ months in business
$15,000+ average monthly bank deposits
Be able to deposit revenue in a business bank account

How to get a merchant cash advance in San Francisco

Step 1

Apply Online

Click "Get Started" to apply for financing.

Step 2

Gather required documents

We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.

Step 3

Approval in as little as 2 hours

Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Step 4

Receive same-day funding

If approved, your requested financing can be transferred to your bank account as soon as the same business day.

What our customers say about our merchant cash advance services in San Francisco

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”

“Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”

“I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Other financing options**

Line of credit

Draw as you need and only pay for what you use.

Working capital loan

Always have enough cash flow to seize any opportunity.

Long-term loan

Longer-term funding to help you reach the next stages of growth.

All financing options

Still looking for the right fit? Check out all of Credibly's business financing options.

Why Credibly is the choice as your merchant cash advance company in San Francisco

Get working capital in as fast as 4 hours
Spend your funds however your business needs
Automated remittances adjust based on your daily revenue
Simple online application—no endless forms
100% US-based customer support to guide you

Small business financing in San Francisco—The Credibly difference

	Credibly	Bank Loans	Credit Cards	SBA Loans
Funding Range	$5K-$600K	$100K	Credit dependent	Credit dependent
Process	Pre-qualify online Soft credit pull only	Long application, credit inspection, business plan, and industry risk	Prequalify online Soft credit pull only	Long application, credit inspection, business plan, and industry risk
Approval Time	Approval in as fast as 2 hours	Weeks-Months	Less than 30 Days	Months
Time to Funding	as fast as 4 hours	2-3 Months	7-10 Business days	60-90+ Days
Approval Criterias	Overall business health	Credit score and collateral	Credit score	Credit score and collateral

FAQs about merchant cash advances in San Francisco

Will applying for an MCA in San Francisco hurt my credit score?

Most merchant cash advance providers in San Francisco typically use a soft credit pull when reviewing applications. Soft inquiries do not affect your credit score or show up for other financiers to see.

Some providers may escalate to a hard pull when dealing with larger advances or if they require deeper underwriting. Hard inquiries can shave a few points off your score and stay on your report for about two years.

How do remittances work with a merchant cash advance in San Francisco?

Remittances for a merchant cash advance in San Francisco are designed to follow your cash flow. Instead of monthly bills, the financing provider collects either a percentage of each card sale or a fixed daily or weekly amount based on your average revenue.

Either approach matches remittances to the rhythm of your sales, so you can meet obligations without the surprise of a one‑size‑fits‑all monthly bill.

Does remitting the full amount of my MCA in San Francisco early save me money?

Not always. That’s because MCAs in San Francisco are not amortized.

When you receive an MCA, you commit to remitting the advance amount plus the cost of borrowing. Even if you make larger remittances up front, the total cost remains the same.

However, some financing providers may offer discounts for remitting earlier. Ask your financing provider about any programs they have.

What determines the factor rate for my merchant cash advance in San Francisco?

Factor rates tell you how much you will remit on your merchant cash advance in San Francisco. Rates usually fall between 1.2 and 1.5, and can be as low as 1.11.

MCA providers review several factors about your historical business performance to determine this rate. Showing consistently strong cash flow may help reduce it. Being in a stable industry with predictable sales can also help improve your rate, while being in a new or seasonal industry may lead to higher rates.

What is the alternative to a merchant cash advance in San Francisco?

You have choices beyond MCAs in San Francisco:

Business lines of credit for flexible short‑term access.
Term loans or SBA loans with lower rates and longer terms.
Equipment financing or leasing to invest in assets.
Revenue‑based financing, crowdfunding, P2P lending or grants depending on your business goals.

These alternatives may be slower or require stronger credit, but they can preserve margin, reduce cost, and support long‑term growth.

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Merchant cash advances in San Francisco