Application
Your sales move daily. Your capital should too.
Direct MCA and working-capital decisions built around business deposits, not a months-long bank process.
Start an applicationMerchant cash advance, handled differently
Fast money is easy to find.
A clean MCA structure is not.
An offer is more than an approval amount. The purchased amount, remittance, frequency, estimated duration, prepayment terms, and existing positions all have to work together. That is disciplined underwriting.
The MCA read
We underwrite the business before we structure the capital.
Deposit consistency, average daily balance, negative days, current obligations, and use of funds tell us what the business can responsibly support.
Illustrative MCA request · First-position request
Strong deposits. Lumpy balances. A real use for the money.
The contract is signed and the material order is documented. The file needs a provider comfortable with project-driven cash flow.
“The right submission leads with the signed work—not just the day-end balance.”
Operating pictureToday
Average monthly deposits$184,000
Average daily balance$19,840
Negative days · 90d2
Current MCA positionsNone
Use of fundsMaterials
Capital request$80,000
Illustrative scenario. Actual terms and outcomes vary.
The number that matters after funding
FLOW
The remittance has to live inside the business.
We compare offers against the actual deposit rhythm—not just the headline amount. Enough capital to matter. A payment the operation can absorb. A path that does not depend on stacking another position next month.
From application to funding
A direct decision. A controlled close.
Royalty reviews, structures, documents, and funds
Review
We look at the whole business.
We review deposits, current obligations, industry, ownership, and the reason for the request.Options
We explain the offer clearly.
Amount, payment, fees, timing, and terms are laid out before you decide.Funding
You decide what works.
If you choose to move forward, we complete the agreement and confirm funding.What we fund
MCA first.
Alternatives when they fit better.
Royalty provides commercial funding for operating businesses. Your application helps us choose the structure; we do not force every business into the same product.
Merchant cash advance
A purchase of future business receivables with remittance tied to the agreed structure.
Speed / deposit-driven underwritingMCA refinance
Replace or consolidate an existing position when the numbers support a cleaner payment.
Restructure / subject to payoffBusiness line of credit
Reusable access for stronger files that need flexibility instead of one lump sum.
Revolving access / qualification appliesTerm or equipment financing
More predictable structures for defined projects, vehicles, machinery, and longer-use assets.
Longer horizon / documentation requiredHow we fund
The fastest approval is not always the best offer.
Our job is to keep the process clear: review the details honestly, compare complete terms, and tell you when the payment is too tight.
No bait quote. We discuss terms we can actually support from the file.
No scattered documents. Your statements stay together during review.
No stacking plan. A new advance should solve the need—not create the next one.
Get started
Start your
application.
Fill out the application and upload your four most recent bank statements. That’s it. We’ll review everything and follow up.
What happens next
We review your application and contact you if we need anything else.
Start an applicationAbout 5 minutes
Business details, owner information, funding request, and four recent bank statements.
Open the full applicationCommercial use only. Submitting an application is not an approval or commitment to fund.
Royalty Funding · Direct commercial funder