What does your business need right now?
Best fits for working capital
Merchant cash advance
$50K to $5M.1 Same-day decisions for eligible files.2 For businesses doing $50K+ a month.
See how it worksSame-day business funding
Decision and funds on the same business day when your file is complete.2
See same-day fundingBusiness term loan
From $50K. Funded in as little as 24 hours on approval.6
See term loansDirect MCA funder
We fund from our own capital, so decisions are faster and terms are cleaner.
Same-day decisions2
Apply by 11 AM ET and hear back the same business day on eligible files.
1st–5th position specialists4
Already have an MCA? We underwrite stacked deals other funders decline.
Revenue-based underwriting
Approved on your deposits, not your credit score. Requests evaluated up to $5M.1
What is a merchant cash advance?
A merchant cash advance (MCA) is not a loan. It is the purchase of a portion of your business's future receivables in exchange for an upfront lump sum.
Instead of paying interest, you remit a fixed percentage of your daily or weekly revenue until the agreed amount is collected. Pricing is shown as a factor rate, not an APR.
Funding amounts, factor rates, remittance percentages and terms vary with your revenue, time in business, industry and underwriting. Not all applicants qualify.
Our specialty: stacked and complex deals
Most funders stop at 1st position. We underwrite 2nd through 5th position, consolidations and reverse consolidations every day.
Worked example
- Purchase amount
- $100,000
- Factor rate
- 1.30
- Remittance
- Fixed % of weekly revenue
- Total remittance
- $130,000
Illustrative only. Your terms depend on underwriting.
Compare every option
Plain facts, side by side. Tap a name for the full page.
| Option | What it is | Amount | Speed | Good for |
|---|---|---|---|---|
| Merchant cash advance | Purchase of future receivables | $50K–$5M1 | Same-day decisions2 | $50K+/month revenue, need cash fast |
| MCA consolidation | Purchase of future receivables | Up to $5M1 | Same-day decisions2 | Too many daily or weekly MCA payments |
| Business term loan | Loan · partner program | From $50K6 | As little as 24 hours6 | 2–10 year terms, longer payback |
| Invoice factoring | Sale of invoices | Quoted per file | Ask us | B2B companies waiting 30–90 days to get paid |
| Credit card stacking | 0% intro APR cards · not a loan, not an MCA | Combined high limits7 | About 24 hours7 | Strong personal credit, want a 0% intro period |
| HELOC | Home equity line · partner | Up to 80% LTV8 | Ask us | Owners with equity in property |
| Credit repair | Credit service · partner | — | Ask us | Getting ready for better offers |
How it works
Three steps. Eligible files hear back the same business day.2
Tell us what you need
One short form. Your goal, your monthly revenue, your industry.
Connect your bank or upload statements
Secure upload. We review your file and match it to the right program.
Get your offer in writing
Clear terms and the total cost before you sign. No surprises.
Frequently asked questions
Straight answers about merchant cash advances and how funding works.
What is a merchant cash advance?
It's the purchase of a portion of your future receivables for a lump sum today. You remit a fixed percentage of revenue until the agreed amount is collected.
Is a merchant cash advance a loan?
No. It is a purchase of future receivables, not a loan, and it is priced with a factor rate rather than an interest rate.
How fast can I get funded?
Eligible applications submitted by 11 AM ET get a decision the same business day. Funds may be available within 24 hours once documents and underwriting are complete.
Do I need good credit to qualify?
No. We underwrite on your business deposits and bank statements, not your personal credit score.
How much funding can I get?
Funding requests are evaluated up to $5,000,000. Approved amounts depend on your revenue and underwriting.
What are the basic requirements?
$50,000 or more in monthly revenue, a business bank account, and recent bank statements. Time in business and industry also factor in.
Are you a direct funder or a broker?
A direct funder on our MCA programs. Term loans, factoring, HELOCs and credit services are offered through partner programs.
What does a merchant cash advance cost?
Cost is set by a factor rate. For example, a 1.30 factor on a $100,000 purchase means $130,000 in total remittance. Your rate is quoted in writing before you sign.
Talk to a real person today
Tell us your situation. We'll tell you plainly which option fits, or if none do.
Important disclosures
- Note 1: Funding requests are evaluated up to $5,000,000. This reflects maximum capacity, not a typical approval. Actual approved amounts vary by applicant and are determined per application based on revenue, bank statements, time in business, industry and underwriting.
- Note 2: Same-day decisions apply to eligible, complete applications received by 11 AM ET on a business day. Funding within 24 hours applies only once documentation and underwriting are complete. Actual decision and funding times vary. Not all applicants qualify.
- Note 3: Checking your options does not involve a hard inquiry on your personal credit. A credit review may be required before final approval on some programs.
- Note 4: Stacking on existing positions (2nd through 5th) is subject to additional underwriting and is not available in all cases or in all states.
- Note 5: Remittance terms up to 24 months are available only on qualified files. Most terms are shorter. Your term is set at underwriting.
- Note 6: Business term loans are offered through partner programs, not funded by Y Millennial Funding. Amounts start at $50,000; the maximum depends on the program and underwriting. Terms of 2 to 10 years depend on the program. Funding in as little as 24 hours applies to approved files with complete documentation. Payment frequency, rates and secured or unsecured structure depend on the program and underwriting.
- Note 7: Credit card stacking is neither a loan nor a merchant cash advance. Cards are issued by third-party banks under their own terms. 0% intro APR periods, limits and approval are set by the issuer. Our fee is a percentage of credit opened and is quoted in writing before you apply. Issuer fees are separate.
- Note 8: Home equity lines of credit are offered through licensed partner lenders. Up to 80% loan-to-value is a program maximum; actual terms depend on property, equity, credit and lender underwriting. Not available in all states.
Y Millennial Funding is a direct merchant cash advance funder. All funding subject to underwriting approval based on business revenue, bank statements, time in business, and other qualifying factors. Same-day decisions and 24-hour funding apply to qualifying applications submitted with complete documentation; actual approval and funding times may vary. Funding amounts up to $5,000,000 reflect maximum capacity; actual approved amounts vary by applicant. A merchant cash advance is the purchase of future receivables, not a loan, and is not subject to interest rate disclosure laws governing loans. Stacking on existing positions (2nd through 5th) is subject to additional underwriting and not available in all cases. Term loans, lines of credit, HELOCs, factoring, card programs and credit services are offered through partner programs and are subject to their own terms. Example scenarios are illustrative and do not guarantee approval, terms, or outcomes. See full disclosures.
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