Get Funded as little asin^ 24
Hours
Process $10K+ monthly in credit cards? Your approval is guaranteed. Pick your terms. No credit check. No collateral. No hassle.
Pick Your Terms
Estimate your funding
Repayment capped at 60 business days. Final terms confirmed during underwriting.
Trusted by thousands of businesses across America
If You Process $10,000+ Per Month,
You're Approved. Period.
We look at your business revenue, not your credit score. If your business processes $10K or more in monthly credit card transactions, we guarantee your approval.
How It Works
Getting funded shouldn't be complicated. Our streamlined process gets you from application to cash in hand as fast as possible.
Apply in Minutes
Complete our online application in under 5 minutes. No lengthy paperwork — just the basics about your business.
Get Your Offer
We review your processing volume, not your credit score. Most businesses see an offer within hours of applying.
Pick Your Terms
Slide your funding amount and daily holdback in real time. Shape the offer until the terms work for your business.
Receive Your Funds
Once you accept, funds are deposited directly into your business account — often within 24 hours of approval.
Funding Solutions for Your Business
Choose the funding option that best fits your business needs. All products feature fast approval and flexible terms.
Working Capital Advance
$5K – $250K
Based on your credit card processing volume. Perfect for inventory, equipment, renovations, or any business need.
- Based on CC volume
- Flexible terms
- Fast approval
Revenue-Based Financing
$10K – $500K
Repayment adjusts with your daily sales, so you pay less during slow periods and more when business is booming.
- Adjustable repayment
- Revenue-linked
- No fixed payments
Merchant Cash Advance
$5K – $300K
The fastest path to funding. Get an advance on your future credit card sales and repay automatically as you earn.
- Fastest funding
- Auto repayment
- No collateral
We Fund Businesses Across Every Industry
If you accept credit card payments, we can help you get funded — regardless of your industry.
Two Promises. Zero Surprises.
Funded in 24 hours. With terms you choose.
Funded in 24 Hours
Same-day approval, next-day cash
Banks take weeks. We move at the speed of your business — most merchants are funded within a single business day of accepting their offer.
You Pick Your Terms
Live calculator, real numbers
Adjust your funding amount and holdback rate in real time. See exactly what you'll pay back, every day, before you commit.
95%+ Approval
Revenue-based qualification — not credit scores.
No Credit Check
We look at processing volume, never your FICO.
Flexible Repayment
Pay a percent of daily sales — never a fixed bill.
What Our Clients Say
“I was turned down by three banks. Circular Payments approved me the same day I applied, and I had $50,000 in my account the next morning. It saved my business.”
Maria Rodriguez
Restaurant Owner
“The whole process took less than 24 hours. No mountains of paperwork, no waiting weeks for an answer. I used the funds to buy new equipment and doubled my revenue.”
James Thompson
Auto Repair Shop
“What I love is the flexible repayment. During slow months, my payments go down. It doesn't strangle my cash flow like a traditional bank payment would.”
Sarah Kim
Retail Store Owner
Questions? We've got answers.
Everything you need to know about merchant cash advances and how Circular Payments works.
A merchant cash advance (MCA) is not a loan — it's a purchase of a portion of your future credit card sales. You receive a lump sum of capital upfront, and repayment is made automatically through a small percentage of your daily credit card transactions.
Funding amounts typically range from $5,000 to $500,000, depending on your monthly credit card processing volume, time in business, and overall business health. A single advance generally lands at up to 30% of your monthly processing — and as you build a track record with us, renewals can grow your total funding to 1-1.5x your monthly volume over time. Use our calculator on the home page to see exactly what your business qualifies for.
Yes. Use our slider to set how much you want to borrow and what daily holdback rate you're comfortable with. As you adjust, you'll see your daily payment and total payoff timeline update in real time. Your choices carry into your final offer.
A shorter payback keeps your total cost lower and gets you back to 100% of your sales faster. We size every offer so it pays off within 60 business days at your chosen holdback rate. If you want a larger advance, you can raise your holdback to keep the payback inside 60 days.
Slide the funding amount down — the daily holdback drops with it. You're never required to take the maximum we offer. Many merchants prefer a smaller, faster-paying advance to test the relationship before scaling up.
Most applications are approved within hours, and funds are typically deposited into your business account within 24 hours of approval. In some cases, same-day funding is available.
The primary requirement is processing at least $10,000 per month in credit card transactions. You should also have been in business for at least 3 months. We do not require a minimum credit score or collateral.
Repayment is automatic and based on a fixed percentage of your daily credit card sales. This means you pay more when business is good and less during slower periods, ensuring repayment never strains your cash flow.
No. We do not perform hard credit pulls during the application process, and merchant cash advances are not reported to credit bureaus. Your personal and business credit scores will not be affected.
No collateral is required. Your future credit card receivables serve as the basis for the advance, so there's no need to put up personal or business assets.
Yes! Since we base our decisions on your business revenue and credit card processing volume rather than your credit score, many business owners with less-than-perfect credit qualify for funding.
Ready to Grow Your Business?
Get funded in as little as 24 hours. No credit check, no collateral, no hassle. Join thousands of businesses that trust Circular Payments.