When businesses need capital quickly, traditional lenders aren't built for speed.
When cash flow is tight or a short-term opportunity appears, owners need a solution that meets them where they are — not where a bank wants them to be.
Approvals within hours
Funding in 24–48 hours
No collateral required
Low documentation (business bank statements usually enough)
Terms typically 3–12 months
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We guide the business through the entire process — from pre-qualification to payoff — ensuring they understand the costs, benefits, and the best way to use the capital without hurting future financing options.
This isn’t about putting businesses into debt cycles. It’s about helping them bridge a short-term gap or capitalize on a time-sensitive opportunity with a partner who tells them the truth.
This site is owned and operated by Seven Lakeview, Inc (7LV). At 7LV, we want to make your experience online satisfying and safe. This privacy statement discloses what information we gather and how we use it.
Seven Lakeview, Inc gathers two types of information about users:
Information that users provide through optional, voluntary submissions. These are voluntary submissions to participate in our blogging site, to participate in our message boards or forums, or to gain additional information about our products and services.
Information 7LV gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help our Marketing Division better understand the demographics of our audience. Because 7LV derives its revenue mainly from the sales of its service packages your personal information will never be given to a third party unless the third party is a direct affiliate of 7LV and part of the processing team.
Seven Lakeview, Inc Gathers User Information In The Following Processes:
We offer the following free services, which require some type of voluntary submission of personal information by users:
Seven Lakeview uses information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites or to better prepare future content based on the interests of our users.
As stated above, we use information that users voluntarily provide in order to send out electronic newsletters and to enable users to participate in surveys and blogs. We may send out newsletters to subscribers on a regular schedule, and occasionally send out special editions when we think subscribers might be particularly interested in something we are doing. Seven Lakeview never shares newsletter mailing lists with any third parties, including advertisers, sponsors, or partners.
When we use tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you. We track search terms entered in the Search function as one of many measures of what interests our users.
Seven Lakeview creates aggregate reports on user demographics and traffic patterns for our own internal use. We will not disclose any information about any individual user except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Seven Lakeview uses the above-described information to tailor our content to suit your needs and help us understand the demographics of our clients. This is essential to keeping our service free. We will not share information about individual users with third parties, except direct affiliates, to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Seven Lakeview operates secure data networks protected by industry-standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
We give users options wherever necessary and practical. Such choices include:
Opting not to register to receive our electronic newsletters.
Opting not to participate in certain interactive areas such as the blog site, however, opting out does not change the collection of personal data. The personal data collected is necessary in order to make any payouts.
By using this site, you consent to the collection and use of this information by 7LV. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
The pre-qualification you receive is based upon preliminary unverified information, which although deemed to be reliable, is not guaranteed to be correct. A final decision cannot be made until a complete application and supporting documentation is received and verified by the lender. Your prequalification letter does not guarantee approval, nor is it an offer or commitment, it is merely a snapshot of what may be possible. Product and services may not be available in all states.
While there are numerous factors that can impact an individual’s credit score, your personal score page provides you with six factors that may be impacting your overall credit score. It is these factors that create your VantageScore®:
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This site is owned and operated by Finance Agents. Your privacy on the Internet is of the utmost importance to us. At Finance Agents, we want to make your experience online satisfying and safe.
Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.
Finance Agents gathers two types of information about users:
Information that users provide through optional, voluntary submissions. These are voluntary submissions to participate in our blogging site, to participate in our message boards or forums, or to gain additional information about our products and services.
Information Finance Agents gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help our Marketing Division better understand the demographics of our audience. Because Finance Agents derives its revenue mainly from the sales of its service packages your personal information will never be given to a third party unless the third party is a direct affiliate of Finance Agents and part of the processing team.
Finance Agents Gathers User Information In The Following Processes:
We offer the following free services, which require some type of voluntary submission of personal information by users:
Blogging: Users of the site’s blogging platform must register separately for these services (free of charge) in order to post blogs, although they needn’t register to visit the site. During registration the user is required to choose a username, create a password, add an email address, agree to the Terms of Service, and choose whether they want a blogging website or just a user account.
Electronic newsletters policy (Dispatches)
We may offer a free electronic newsletter to users in the near future. Finance Agents gathers the email addresses of users who voluntarily open an account (i.e. a blog or username). Users may remove themselves from this mailing list by following the link provided in every newsletter that points users to the subscription management page. Users can also subscribe to the newsletters with any customer service representative or by emailing Finance Agents at info@FinanceAgents.com.
Surveys: Finance Agents may occasionally conduct user surveys to better target our content to our audience. We sometimes share the aggregated demographic information in these surveys with our affiliated partners. We never share any of this information about specific individuals with any third party.
Children: Consistent with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
Usage tracking Finance Agents tracks user traffic patterns throughout all of our sites. However, we do not correlate this information with data about individual users. Finance Agents does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser).
Finance Agents uses tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you.
Cookies: We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Finance Agents uses cookies to track user traffic patterns (as described above). Our advertising system delivers a one-time cookie to better track ad impressions and click rates. You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site. However, you do need cookies to participate actively in message boards, forums, polling and surveys.
Finance Agents uses any information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites or to better prepare future content based on the interests of our users.
As stated above, we use information that users voluntarily provide in order to send out electronic newsletters and to enable users to participate in surveys, and blogs. We may send out newsletters to subscribers on a regular schedule, and occasionally send out special editions when we think subscribers might be particularly interested in something we are doing. Finance Agents never shares newsletter mailing lists with any third parties, including advertisers, sponsors or partners.
When we use tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you. We track search terms entered in Search function as one of many measures of what interests our users. But we don’t track which terms a particular user enters.
Finance Agents creates aggregate reports on user demographics and traffic patterns for our own internal use. We will not disclose any information about any individual user except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Finance Agents uses the above-described information to tailor our content to suit your needs and help us understand the demographics of our clients. This is essential to keeping our service free. We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Finance Agents operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
We give users options wherever necessary and practical. Such choices include:
Opting not to register to receive our electronic newsletters.
Opting not to participate in certain interactive areas such as the blog site, however opting out does not change the collection of personal data. The personal data collected is necessary in order to make any payouts.
By using this site, you consent to the collection and use of this information by Finance Agents. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
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A merchant cash advance (MCA) is a type of financing that provides businesses cash in exchange for a percentage of their revenue, usually calculated by bank deposits or credit card transactions. In other words, the lender provides the business with an advance on its future sales, and then takes a percentage of those sales until the advance is repaid.
MCAs are typically provided by alternative lenders and are often used by small businesses that don’t qualify for traditional bank loans or want the money faster, with less paperwork.
Here are some of the key features of a merchant cash advance:
A merchant cash advance (MCA) provides a business with a lump sum of money in exchange for a percentage of its future sales. Here are the typical steps involved in the MCA process:
MCA lenders offer about 50 - 125% of a businesses monthly sales volume. In general, MCA providers may offer advances ranging from a few thousand dollars to hundreds of thousands of dollars. For example, if your business processes an average of $50,000 per month in credit and debit card sales, an MCA provider may offer an advance of $25,000, which is 50% of the average monthly sales.
The requirements to qualify for a merchant cash advance (MCA) can vary depending on the lender, but typically include the following:
The cost of a merchant cash advance (MCA) can be higher than other types of financing. This allows them to lend to lower credit borrowers, move faster, and be unsecured.
The total cost of an MCA can be significant, with effective annual percentage rates (APRs) ranging from around 40% to over 350%.
Repayment of a merchant cash advance (MCA) is repaid through a daily or weekly deduction of a percentage of your business's credit and debit card sales or a fixed ACH debit. This is known as a "holdback" or "retrieval rate." The percentage deducted is based on the terms of the MCA agreement, and can range from around 5% to 20% or more.
For example, if your business has a holdback rate of 10% and processes $10,000 in credit and debit card sales in a day, the MCA provider would deduct $1,000 from your sales that day to put towards paying off the advance.
If the contract is ACH debit, the daily or weekly payment will be set at the time the lender makes the offer. For example, if the business gets an advance of $50,000 and the term is 6 months, the daily payment could be $387.
The benefits of a merchant cash advance (MCA) can include:
There are several risks associated with a merchant cash advance (MCA) that you should consider before pursuing this type of financing:
The time it takes to receive funding from a merchant cash advance (MCA) can vary depending on the MCA provider and the complexity of your application. In general, MCAs are often available quickly, with funding provided within a few days of approval.
The application process for an MCA is often simpler than for traditional loans, with less documentation required. Many MCA providers allow you to apply online and can provide an initial decision within hours. Once you're approved, you can often receive funding within a few days, and sometimes as quickly as 24 hours.
However, it's important to note that the speed of funding can depend on factors such as the amount you're requesting, the complexity of your business and financial situation, and the MCA provider's internal processes. It's a good idea to ask the MCA provider for an estimated timeline upfront so that you can plan accordingly.