Business Cash Advance

GMA Factor provides business cash advances, completely unsecured, up to $1,000,000.  A Business cash advance is an effective substitute to small business loans, unsecured business loans or bad credit business loans.  Our business cash advance is based on the cash flow passing through your merchant credit card account or your bank account cash flow activity.  We aid success by quickly providing cash in advance, unsecured working capital, without the strict requirements and formalities of loans offered by banks and other lending institutes.  Loans require security (collateral), good credit and a long business history.  New businesses and businesses with bad credit may still qualify for our business cash advance.

The great thing about a business cash advance is that there are no fixed payments. We simply receive an agreed upon percentage of your Visa/MasterCard sales or ACH directly from your checking account until the advance has been paid.

  • Avoid extensive underwriting and payback schedules
  • Receive rates that are among the lowest in the industry
  • Pay no interest
  • Get your money fast
  • Experience no loss of equity in your business
  • Get low monthly minimums


Accepts credit cards as a mode of payment:

  • Processes a minimum of $2,000.00 in credit card sales per month
  • Has been in business for at least 3 months
  • Seasonal businesses must provide 12 months of sales records; 3 months for non-seasonal businesses

Bank Account Cash Flow -No credit cards:

  • Minimum monthly deposits $15,000
  • Has been in business for at least 3 months

Get started immediately by filling out the quick application on the right-hand side or the full application and submit via fax or email along with:

  • Last 6 months Merchant Credit Card Statements (complete statements)
  • Last 6 months Business Banking Statements (complete statements)
  • Copy of term page and signatures of lease