How it works

Unlike with a business loan, our program is linked with the development of your business and, since remittance are based on the volume of your Visa, MasterCard and other receivables, we only get paid when you get paid, thus making it easier for you to manage your business’ cash flow, especially during slower periods.

The Business Cash Advance program vs. the Traditional Bank Business Loan:
  • Straight-forward and quick application process with minimal paperwork
  • Higher approval rates than with a traditional bank loan
  • We only take business collateral, no personal collateral is needed
  • No fixed repayment schedule
  • No impact on your access to other funding
  • Freedom to use the cash the way your business needs it
  • Easy renewal terms


Q. How do I find out if my business qualifies for a business cash advance?

A. The application process is fast and easy. By answering a few simple questions we can determine easily if the Business Cash Advance is the right choice for you.

  • Have you been in business for at least 1 year?
  • Is your monthly Visa/MasterCard volume at least $2,500?
  • Are any prior bankruptcies resolved?
  • Do you have at least one year remaining on your current retail lease?

If you answered “YES” to the above questions, you might be the right candidate for our business cash advance.

Q. What is the cost for the business cash advance?

A. Because every business has unique needs, we work with you to provide a quote that makes sense for you and your business. The industry, business size, processing history and sales volume are just a few of the things factored into the cost of your funding. To find out how much you qualify for and the applicable costs, contact us today.

Q. Will bad credit affect my application?

A. To determine if you qualify for a business cash advance we don’t solely look at your credit score, therefore you will not need to have stellar credit to qualify for a business cash advance.

Q. Do you require collateral or a personal guarantee?

A. We only take business collateral, no personal collateral is needed.

Q. How does this program work?

A. Daily remittances work with your cash flow.

Q. Can my repayment rates change after I have received the funds?

A. No. Your repayment percentage agreed with upon signing will remain the same until the business cash advance is repaid in full.

Q. Are there any restrictions on what the funds can be used towards?

A. No. Your business cash advance can be used towards any goal that is related to your business such as cash flow, purchasing inventory, repairs, equipment, renovation, expansion or other expenditures. It is completely up to you to decide what to use it for.

Q. What if I already have a business loan?

A. Our Business Cash Advance program is not your typical business loan. As long as you are able to meet the requirements we have, we will still be able to provide you with the funding you need independent of any other loan obligations you may have.

Q. How do I get more information about this?

A. Feel free to contact us today by email and a Customer Service Representative will assist you with your account.

Depending on your specific business needs, we have the solution that works for you with rates and terms that make sense for your business. To learn more, send us an email.

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Western Capital Financial Service, LLC is a BBB Accredited Financial Service in Calabasas, CA