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Merchant Cash Advances / ACH Loans

The fastest, simplest options for many businesses.

  • Access from $5,000 to $250,000

  • Borrow based on credit card sales

  • Pay back as you collect revenue

  • No collateral - No credit reporting

Woman hand with credit card swipe through terminal for sale in restaurant.jpg

Applying is free and will not affect your credit.

Qualifying is Easy
Very Low Credit Scores OK
3 - 6 Months of Bank Statements
No Collateral, Little Paperwork

Get Cash Advance Offers - Easily, Quickly.

 Apply for free in minutes. Get funded in as little as 24 hours.

Apply Now, Same-Day Approvals

Apply Online

Easy online application.

No impact to credit score.


Explore Options

Access a variety of choices from multiple companies.


Get Funds Fast

Once approved, get funds in as little as 24 hours.

  • What type of businesses are eligible to apply?
    Business that own a place of business where the public or patrons assemble for the primary purpose of being served food or drink. This includes restaurants, bars, food trucks, breweries, wineries, caterers and inns. For some types of businesses, the SBA requires proof of onsite sales to the public of at least 33% of gross receipts.
  • When do I have to have started my business to receive a grant?
    A business must have been established legally by March 11, 2021, but even if it was not open in 2019 or 2020, it might still be eligible. Even if a business is not open at the time of application, it can apply based on eligible expenses incurred in preparing to open.
  • Are non-profits eligible to apply for a grant?
    No, non-profits are not eligible to apply for these grants.
  • Can I have received PPP loans? Or applied for a SVOG grant?
    A business can be the recipient of 1 or 2 PPP loans and still qualify. (The amount of the PPP loans is deducted during grant amount calculation.) However, if the business obtained a SVOG grant, or has an application in process, they are then not eligible to apply for a restaurant grant.
  • What are the sizes of the Restaurant Revitalization Fund grants?
    The SBA has a minimum grant amount of $1,000 per eligible entity. The maximum grant amount per location is $5 million, with a combined limit of $10 million total for the eligible entity.
  • If I have multiple locations under one EIN, can I apply for multiple loans?"
    A restaurant or other eligible business with multiple locations under the same EIN “must apply for all locations in one single application”, per the SBA.
  • When calculating the grant amount, what does 'in operation' refer to?"
    For purposes of calculating funding amount, the date a business was first ‘in operation’ means the day the entity started making sales. This does not mean the day the business registered with the Secretary of State to establish the legal entity.
  • Do I apply through lenders, like the PPP program?"
    No. RRF grant applications are made directly with the SBA, either through their portal, by phone, or through one of their POS partners (currently only Toast or Square).
  • Do I need a DUNS # or to register with (like SVOG grant applicants)?
    No. The SBA does not require a business to have a DUNS # nor to register with the portal.
  • Do I have to provide information for all owners?
    The application requires information for all owners of 20% or more of the business. If no single owner owns 20%, then you must provide owner information for multiple owners who together total at least 20% ownership of the business.

Want to Quickly See How Much Cash is Available?

 Applying is free and won't impact your credit score. 

Other Financing Options
Credit Score 550 Minimum
6+ Months in Business 
Monthly Sales of $10,000/month 

"I applied for a loan when my business was at risk of going under. I applied with many companies and Everfund was by far the best - quick and easy." 

Jon Rogers

"I had a fabulous experience with Everfund. I had spoken with a number of lenders with no success, but once I found Everfund I had funds in less than a week."

Leslie Steskal

"I tried getting a loan with lenders with no success. My experience with Everfund was great - very professional and efficient. Can't thank Everfund enough."

Linda Page

"After working with Wells Fargo with no success for months, I turned to Everfund and had instant success. Thank you Everfund, I highly recommend you!"

Lisa Atteberry

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