Available only to self-employed individuals and small businesses for commercial purposes — not a consumer product and not for personal, family, or household use. A merchant cash advance is not a loan: it is a purchase of a set share of your future sales, so what you remit is a fixed, agreed amount rather than interest and is never expressed as an annual percentage rate. Whether you qualify, how much you receive, and the terms you are offered depend on your business’s revenue and are confirmed through review and verification. Reviewing your options is a soft inquiry that leaves your credit score untouched. Availability and terms vary by state, and funding is not offered everywhere; FundingPath does not originate, broker, or service transactions for businesses located or principally managed in California or New York.