Funding questions, answered.

Most applicants get a decision the same day they apply, and approved funds can reach your business bank account in as little as 24 hours. Larger or longer-term products like term loans can take a few business days because they involve more documentation.

A one-page application and your three most recent months of business bank statements. For larger or longer-term products we may ask for tax returns or financials, but most advances need nothing more.

No. An MCA is the purchase of a portion of your future receivables — you receive a lump sum today in exchange for a fixed amount of future sales. That structure is why approval is faster and credit requirements are looser than a loan.

All 50. Broadway Advance is based in Red Bank, New Jersey and funds businesses nationwide through 50+ programs and 25+ partner funders.

We were founded in 2014 — starting on Broadway in New York City and now headquartered in Red Bank, New Jersey. In 10+ years we've deployed more than $120 million to businesses across 65 industries.

Pricing depends on the product and your business. Advances use a transparent factor rate — a simple multiplier that tells you the exact total you'll repay. We always show you the full dollar cost before you sign. No hidden fees, no surprises.

A factor rate is a simple multiplier instead of an interest rate. A $50,000 advance at a 1.20 factor means you repay $60,000 — period. There's no compounding and the total never grows. Our factor rates start at 1.10.

Some programs carry an origination or ACH fee, and we disclose every one in writing before you sign. If any funder can't show you the total dollar cost of their offer on one page, walk away — from them, not from us.

Often, yes. Many of our programs include early-payoff discounts that reduce your total repayment if you clear the balance ahead of schedule. Ask your advisor — if an early exit matters to you, we'll match you to a program that rewards it.

Speed and access. A bank can take weeks and still decline you; we can fund in 24 hours based on your real revenue. If the capital earns you more than it costs — covering a busy-season inventory buy, landing a contract, fixing the truck that earns your living — paying for speed is rational. If it doesn't, we'll tell you.

No. Getting a quote uses a soft credit pull that does not affect your credit score, and there's zero obligation to accept an offer.

Yes. We approve based on your real cash flow, not just your credit score. Many of our clients were turned down by banks. When the banks say no, we say yes.

It depends on your revenue and the product, but advances typically run 75%–150% of your average monthly revenue, up to $2,000,000 — and term loans go up to $5,000,000. Send three months of statements and we'll give you a real number.

Most programs look for at least 6 months of operating history and consistent monthly deposits. Newer than that? Talk to us anyway — equipment financing and certain programs can work for younger businesses.

Not for most advances — approval rides on your revenue, not your assets. Collateral only enters the picture for asset-based lending and equipment financing, where it's the reason rates drop.

Yes. If you have a business bank account with consistent deposits, we can underwrite you — e-commerce sellers, consultants, and service businesses included. Where you work matters less than how you earn.

A small fixed remittance is collected automatically from your business account daily or weekly. Because it's sized to a slice of your sales, strong weeks pay the balance down faster and slow weeks take a smaller bite.

Talk to your advisor — that's what they're for. Many programs can be reconciled to your actual receivables, adjusting the remittance to match a genuine slowdown. The worst move is silence; the best is a phone call before a payment is missed.

Once you've paid down a meaningful portion, you may qualify for a renewal — fresh capital on a single, managed balance. What we don't do is pile a second advance on top of a first from another funder. Stacking is how healthy businesses get buried, and a legitimate funder won't encourage it.

We don't report your advance or your payments to consumer credit bureaus. Repaying an advance won't build your personal credit score — and a rough month won't damage it.

None. Review your options, ask your advisor anything, and walk away if it's not right. There's no cost and no pressure to get a quote.

One dedicated funding advisor, start to finish. They review your file, present your options, answer the hard questions, and stay on your account after funding. No call-center roulette.

We show full dollar costs before you sign, we don't encourage stacking, we don't use confessions of judgment as a sales tactic, and most of our volume is repeat clients and referrals. We've been doing this since 2014 — the spammers churn through names; we keep ours.