UNI capital

Are You Eligible for a UNI Capital Management Merchant Cash Advance?

Time in Business
1 Year Minimum
Monthly Debit/credit card sales
$4000 minimum
$5000 to $1M
Credit Score
550+ FICO Score

UNI Capital Management minimum qualification are less than those of banks. We're focused on getting you approved so your business can thrive.

UNI Capital Management Merchant Cash Advance

Flexible Loans from $5,000 to $1,000,000See If You Qualify

UNI Capital Management Lenders Merchant Cash Advances

We offer you merchant cash advances with a flexible payback plan that reflects your daily sales.


We review your recent credit card sales statements.


Based on your recent credit card sales history and predicting your future sales, we approve your advance request.


We offer an easy, automated fixed percentage way for you to repay in full.

UNI Capital Management Merchant Cash Advance

Flexible Loans from $5,000 to $1,000,000 See If You Qualify

Merchant Cash Advances Offers the Best Loan Terms

No Assets Required
No Collateral
No Maturity Date

From $5,000 to $1,000,000

 Traditionalcredit cards
Expert in small business
Get Your Funds in As Little As 2 Business Days
Minimal paperwork
We Consider More Than Your Credit Score
Repeat customer benefits
Multiple payment options

Advantages of Your Merchant Cash Advance:

  • No more stress and lost time trying to “persuade the banks”. Get your funding in as little as 2 business days by applying for our “business loan alternative” online.
  • Make variable daily payments that fit your cash flow and stop sweating those slower days.
  • No hassle and no worries because your payments are automated.
  • You don’t have to provide personal collateral or assets.
  • No set “must be paid in full” date with our flexible repayment terms.
  • No need to switch credit card processing.
  • Your repayment plan is based on your businesses cash flow, annual revenues and overall performance… not the banks demands.
  • Best for last – You’ll receive no penalties for not paying off the loan on time…simply because there is no maturity date!

UNI Capital Management Merchant Cash Advance

Flexible Loans from $5,000 to $1,000,000 Apply Now

We look at your overall business picture. Not just your personal credit score.

We’re more interested in the health of your business, and where it’s heading, rather than strictly your personal credit score. All lenders we work with use an advanced cash flow model to determine the amount of the advance. If you have bad credit, not a problem.

Once you are approved, your lender can typically fund your cash advance within two business days. No more waiting weeks or months to get your cash from the bank.

Unlike regular bank business loans, which usually have hefty, non-flexible monthly payments, you pay back your business merchant cash advance through daily withdrawals from your account. This amount is known as the holdback percentage or amount.

The amount withdrawn is based on your revenue for that day. Hopefully, this should eliminate some of the stress of your slower days since you’re not worried about not being able to repay your heavy monthly loan amount.

Our flexible repayment plan simplifies the process and helps you smooth out any cash flow challenges.

Use Your Cash Advance for Any Reason

Growth & Expansion
New Hires & Payroll
Advertising & Marketing
Equipment & Inventory
Renovation & Upgrades

You get the idea.

Banks often want you to have assets or collateral on a 3:1 ratio.

For every $1 you borrow… you need $3 in cash or assets!

Let’s assume you need $100,000 for an expansion.

According to the bank, you need $300,000 in collateral. Funny how that works…

At UNI Capital Management, our goal is to help small businesses acquire the cash funding they need as quickly and easily as possible with an attractive financing option.

UNI Capital Management Merchant Cash Advance

Flexible Loans from $5,000 to $1,000,000Apply Now

A Typical Scenario of How Merchant Cash Advance Works

A small hotel is looking for expansion financing and has $40,000 a month in credit card volume. Since it’s the peak season, the owner identifies a great business opportunity that would increase his sales by 20% IF he got a $20,000 loan or merchant cash advance.

The money is used to add more space to the hotel restaurant. The owner believes the quick build-out will add real revenue to the next month’s cash balance. But, the owner doesn’t have the available cash in the business account, yet.

Because of past misfortunes, the business owner has less than stellar credit to meet a banks approval criterion. However, he believes the more modern approval process for an MCA and the variable payments will put less stress on his cash flow rather than a rigid business loan from a bank.

The owner receives $20,000 with a factor rate of 1.27 and a holdback rate of 9%. The hotel owner will owe $25,400. The advance gets paid back the 9% “hold back” of the daily credit card sales.

The business generates about $1,334 a day in debit and credit card sales. With a 9% holdback; $1,334 X 9% = $119.98 So about $120 a day until the $25,400 is paid in full. That’s about 211 days or a little over 7 months.


Factor rates range from 1.18 to 1.5. Terms are a minimum of 90-days or extend up to 18 – 24 months. The percentage of the hold back ranges from 5% to 30%.

Here’s How You Can Get Funded:


Your application must be completed and signed – just click the link below to fill out your application.

Bank statement

Provide us with your three most current monthly Bank Statements.

Merchant statement

Your four most current months of your Merchant Statements.

Call us now at 866.443.3434 for a FREE consultation.

UNI Capital Management Merchant Cash Advance

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