Fast Funding Based on Your Sales. Full Clarity on the Cost.
A merchant cash advance gives you capital against your future revenue, often in a day or two. We help you get it, and we make sure you understand exactly what it costs before you say yes.
No obligation. No pressure. Straight talk about cost and fit.
Fast Money Is Easy to Find. Fair Terms Are Not.
Advances can be a lifeline when you need cash quickly and a traditional loan is out of reach. They can also be expensive, with factor rates, daily or weekly withdrawals, and fine print that is easy to misread.
Some providers lean on urgency and keep the details vague. We do the opposite.
Sound familiar?
Sound familiar?
- You need cash within days, and banks have said no or are too slow
- You have been quoted a factor rate and do not know what it means in real terms
- You are worried about daily or weekly payments straining your cash flow
- Your credit is not where you want it, but your sales are solid
- You have already got an advance and are unsure about taking another
You do not have a speed problem. You have a clarity problem. We fix that.
Advances Explained by a Funding Firm, Not a Closer.
We are not here to sell you the biggest advance. We are here to see if an advance is the right tool at all.
Plain-English Cost Breakdown
We show you total payback, the cost of the advance in dollars, the payment amount and frequency, and the estimated effective annual cost, so you can compare it to other options.
Multiple Funder Access
We place your file with several funders so you can compare offers rather than accept the first.
We Will Tell You When Not To
If a term loan, line of credit, or other product would cost less and still meet your need, we will say so.
A Real Person Who Picks Up
You get a dedicated point of contact before, during, and after funding.
Advance Structures We Can Help With.
Standard Merchant Cash Advance
A lump sum in exchange for a fixed amount repaid through a share of future sales or fixed periodic payments.
Card Sales Based Advances
Repayment tied to a percentage of your daily card receipts, where available.
Revenue-Based Financing
Funding repaid as a percentage of revenue, often with more flexibility on payment size.
Renewals and Add-On Funding
Additional capital for businesses that have performed well on a prior advance, reviewed carefully so it does not stack up your costs.
Advance Refinancing
Consolidation or restructuring options for owners juggling existing advances, where available.
Three Steps. Zero Guesswork.
Share Your Business Basics
A short application and recent bank or processing statements.
Compare Real Offers
We show you the advances available to you with every cost detail laid out, plus any better-fit alternative.
Decide (Only If It Makes Sense)
If an advance helps and you can comfortably carry the payments, we move forward. If it does not, we will tell you plainly.
Built for Businesses With Steady Sales and Urgent Needs.
Less-than-perfect credit or a bumpy past? Ask us. Advances weigh sales more heavily than credit scores.
Use It as a Bridge, Not a Habit.
At GarciaSRB, everything connects. Through our 3 Paths of Lending framework, we help businesses access capital through credit, revenue, and assets.
An advance lives on the revenue path. Used for the right reason, it can bridge you to a better product. Our goal is to move you from higher-cost, short-term capital toward lower-cost options like term loans, lines of credit, and SBA financing as your profile strengthens.
Questions, Answered.
Know the True Cost Before You Sign.
One review. Every number on the table. No obligation.