Working capital in as little as 24 hours.

A merchant cash advance is an advance on your future sales, not a loan. Repayment follows your revenue. No fixed monthly payment, no hard collateral.

Call an advisor(332) 233‑4313

See the full cost before you sign

Your advisor shows you the factor rate and total payback up front. No surprises.

Credit scores from 550

Decisions are based on your sales and cash flow, not a perfect score.

A real person, not a portal

An advisor walks you through your application by phone.

No hard collateral

No real estate or equipment liens. Your revenue does the qualifying.

Check your funding options

Takes about a minute. No obligation.

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Business Name*

Funding amount*

★★★★★4.9 / 5.0client rating

Secure formNo obligationReviewed by a real advisor

$250M+

in funding secured

24 hrs

fastest funding time

20+ yrs

combined funding experience

Do you qualify?

Straightforward criteria. Here’s what we look for.

Time in business

6+ months

Established businesses with a track record of sales.

Monthly revenue

$10K+

Consistent monthly revenue across your accounts.

Bank account

Business checking

An active business checking account in the business name.

Credit score

550+

Your revenue matters more than your score.

Not sure you qualify? Most owners we talk to are closer than they think.
Funding options run from under $25K to $500K and up.

Check my funding options

Built for businesses with steady revenue and no time to wait.

These are the businesses we fund most.

Construction & specialty trades

General contractors, electrical, HVAC, plumbing, roofing.

Cover payroll and materials between draws.

B2B suppliers & distributors

Wholesale, manufacturing, logistics, high‑volume supply.

Keep inventory moving while invoices sit at net 60.

Healthcare & private practice

Medical, dental, veterinary, and specialty clinics.

Cover payroll while reimbursements catch up.

Businesses the bank slowed down

Established businesses that cannot wait on the bank.

Funding in days, not months.

What is a merchant cash advance?

A merchant cash advance (MCA) is an advance on your future sales, not a loan. It is built for businesses that accept credit and debit transactions. You get working capital now and repay it through a small share of your future sales, not a fixed monthly payment that ignores how your month actually went.

MCAs are popular with retail stores, restaurants, and other B2C businesses that process card payments every day, because repayment flexes with real revenue.

Before you sign, your advisor shows you the factor rate and the total payback amount. You see the full cost up front.

Check my funding options

How it works

1Request in about a minute. Share the basics in the short form. No documents needed to start.

2Review with your advisor. A real person takes your application by phone in about 15 minutes and sets your factor rate with you.

3Receive your funds. Review your offer, sign, and get funded in as little as 24 hours after a completed application.

4Repay as you sell. A small share of each card transaction goes toward the balance until the amount is fulfilled. A slow month means a smaller remittance that month.

Why business owners choose an MCA from Denali.

Built by entrepreneurs, for entrepreneurs.

Fast access to capital

Less red tape and less paperwork than traditional lending.

Repayment that flexes with revenue

Remittance scales with your sales. A slow month means a smaller remittance that month.

Dedicated support

Experienced financial advisors guide you through every step.

No hard collateral

No real estate or equipment liens. Your sales history does the qualifying.

Credit-score considerate

Decisions are based primarily on the health of your business, and we work with scores from 550.

Use it your way

Pay employees, upgrade equipment, or bolster your inventory.

Check my funding options

What our clients say.

Real feedback from business owners funded through Denali Advance.

★★★★★4.9/5 Rating

“
John D.Construction Business Owner
“Denali Advance helped me secure $200k for my construction company in less than 24 hours. They were transparent about all terms and made the process easy.”

“
Angela M.HVAC Company Owner
“I filled out the short form on my phone and had a real person on the line in about ten minutes. That alone put them ahead of everyone else we tried.”

“
Dave R.Wholesale Distributor
“Our biggest account pays net 60. Denali bridged the gap so we could keep inventory stocked without turning down orders. Straightforward terms, no surprises.”

“
Renee L.Dental Practice Owner
“Clear answers, quick turnaround, and they did not try to push a product I did not need. We will use them again when we expand.”

“
Tom K.Manufacturing Operator
“The bank wanted six weeks and a stack of paperwork. Denali asked the right questions, moved fast, and the repayment fit our cash flow.”

“
Marcus B.Restaurant Owner
“Our busy season starts fast and the equipment could not wait. The advisor walked me through the payback up front, and the funds landed the next day.”