Get access to working capital within 24-48 hours with Stern Rock Capital. No lengthy applications. No perfect credit required.
Trusted by 10,000+ businesses nationwide
Our merchant cash advances provide flexible funding solutions tailored to your business needs.
Get approved in as little as 24 hours with minimal paperwork
Payments that scale with your business revenue
Unsecured funding with no personal assets at risk
Our simple 3-step process gets you the funding you need quickly and efficiently.
Fill out our simple application in under 5 minutes.
Our team reviews your application and provides an offer.
Receive funds directly in your business account within 24-48 hours.
Hear from business owners who've experienced the CapitalFlow advantage.
Get answers to common questions about our merchant cash advance solutions.
A Merchant Cash Advance (MCA) is an alternative funding option where a business receives a lump sum payment in exchange for a portion of future sales. Unlike traditional loans, MCAs don't have fixed terms or interest rates, but instead use factor rates and are repaid through a percentage of daily sales.
MCAs are not loans - they're an advance against future sales. This means payments fluctuate with your business performance. On slower sales days, you pay less, and on busier days, you pay more. This creates a more flexible repayment structure compared to fixed loan payments.
Get the funding you need to take your business to the next level.