A business cash advance (also known as a merchant cash advance) provides upfront funding based on future sales. At Sunspire Strategy, repayments are tied to your revenue, making it more flexible than traditional loans.

Your business receives a lump sum of cash upfront, and repayments are made automatically as a percentage of your daily or weekly sales. This ensures payments adjust with your cash flow.

Key benefits include fast approval (often within 24–48 hours), no collateral requirements, flexible repayments, and accessibility for businesses that may not qualify for traditional loans.

Businesses often use a cash advance to cover payroll, buy inventory, fund marketing campaigns, purchase equipment, or handle emergency expenses.

Yes. Since approval is based more on your business’s sales performance than your credit score, Sunspire Strategy can often approve businesses with less-than-perfect credit.

In many cases, Sunspire Strategy can approve and fund businesses within 24–48 hours, making it one of the fastest financing options available.

Unlike loans with fixed monthly payments, a cash advance adjusts repayment to your revenue. You pay more when sales are high and less during slower periods, keeping payments manageable.