Fast working capital to keep your business moving.
Peer Capital Advance helps small and mid-sized businesses access funding based on their revenue — with a simple online application and a team that works with you directly.
How it works
A straightforward process designed around busy business owners.
Apply online
Complete a short application with your business and contact details. No lengthy paperwork.
Upload statements
Securely upload your recent business bank statements so we can review your revenue.
Get an offer
Our team reviews your application and presents an offer with clear, upfront terms.
Get funded
Accept your offer and receive funds directly in your business bank account.
Funding built for how your business runs
Working capital that adapts to your revenue, not the other way around.
Fast, simple process
A streamlined application and quick review so you can focus on running your business.
Flexible repayment
Remittances are based on a share of your receivables, so they can align with your cash flow.
Revenue-based approval
We look at your business performance and bank activity — not just your credit score.
Use funds your way
Inventory, equipment, payroll, marketing, expansion, or day-to-day working capital.
Dedicated support
Work with a real person who knows your file and answers your questions directly.
Secure by design
Your information and documents are handled with care and protected throughout the process.
Your documents are encrypted in transit and at rest.
We only ask for what we need to evaluate your funding request. We never ask for your online banking password.
Frequently asked questions
Answers to common questions about merchant cash advances.
What is a merchant cash advance?
A merchant cash advance (MCA) provides your business with a lump sum of working capital in exchange for a portion of your future receivables. It is a purchase of future revenue, not a traditional loan.
How much funding can my business receive?
Funding amounts depend on your business's revenue and bank activity. Typical funding ranges from [Funding range]. We'll review your statements and present an offer that fits your business.
What do I need to apply?
Basic information about your business, owner details (including Social Security number and date of birth for identity verification), plus your most recent [number of months] months of business bank statements in PDF format.
How long does the process take?
Timing depends on how quickly we receive a complete application and documents. Typical timing is [Approval / funding timeframe].
How is the advance repaid?
Repayment is made through remittances based on your business receivables, typically collected from your business bank account on a set schedule. Your offer will clearly explain the terms before you accept.
Does applying affect my credit?
[Describe your credit review policy, e.g. soft vs. hard inquiry]
Is my information secure?
Yes. Your application and documents are transmitted over an encrypted connection and stored encrypted. Sensitive identifiers such as the owner's Social Security number receive an additional layer of encryption, and access is limited to authorized team members who review your application. We will never ask for your online banking login or password.
Talk to our team
Have questions before you apply? Start your application and a funding specialist will reach out to walk you through your options.