A direct revolving credit facility from the lender. Draw when needed, repay, and draw again. Only pay for what you use.
Solvic Capital's direct Merchant Cash Advance provides a revolving fund you can draw from whenever your business needs capital. Unlike a term loan, you don't take the entire amount at once " you draw what you need, repay it, and draw again. Because Solvic Capital is the direct lender, there are no broker fees increasing your cost of credit.
Once approved, you have direct access to your credit line through our portal. Draw funds with next-day deposit. Repay the drawn amount plus interest. Your available balance replenishes as you repay. Only pay interest on what you actually draw.
Lines of credit work best for businesses with 12+ months in operation and $25,000+ monthly revenue.
| Requirement | Merchant Cash Advance |
|---|---|
| Time in Business | 12+ months |
| Monthly Revenue | $25,000+ |
| Credit Score | No minimum " bad credit OK |
| Collateral | Not required |
| Funding Timeline | Same day (before 2 PM EST) |
Bad credit is acceptable " we evaluate your revenue, not your credit score.
A direct Merchant Cash Advance from Solvic Capital is ideal when you need working capital directly from a balance-sheet lender with no broker middlemen. Draw when needed, repay, draw again. Common use cases include managing cash flow gaps, seasonal inventory purchasing, covering unexpected expenses, funding growth initiatives, and consolidating higher-interest debt. Because Solvic Capital is the direct lender, your rate is not marked up by broker commissions or middlemen fees.
Solvic Capital has funded over $500M+ directly to businesses across the United States, with many clients receiving funds the same business day. Our direct underwriting means you get a decision in hours, not days.
| Feature | Merchant Cash Advance (Solvic) | Bank Loan |
|---|---|---|
| Funding Speed | Same day | 2-6 weeks |
| Credit Score Required | No minimum | 680+ typically |
| Collateral | Not required | Usually required |
| Minimum Revenue | $25,000+ | + annual |
| Broker Fees | Zero " direct lender | N/A (bank direct) |
Solvic Capital's direct lending model combines the speed of alternative funding with the transparency of a direct lender. You get fast capital without the broker markup that inflates costs from middlemen.
Apply online in 5 minutes. Our direct underwriting team reviews your business performance " not just your credit score. Receive a decision within hours, and if approved, sign online. Funds are deposited directly to your business account, often the same business day.
There is no credit check to apply, no obligation to accept terms, and no broker fees. You work directly with Solvic Capital from application to funding.
No credit check • No broker fees
Get funded directly by Solvic Capital. No broker fees, no middlemen.