Trusted by 10,000+ small business owners

Working capital for small business owners.

Up to $5,000 in fast funding for trades, service businesses, and micro businesses. Revenue-based approval. Decisions in minutes.

5 min

Average approval

10K+

Businesses funded

24h

Funding speed

Built for Small Business

Funding that flexes with your revenue

$5K

Max funding

5min

Fast approval

Built for the way small business actually runs

If you run a real business with steady deposits, your work qualifies you. We look beyond credit scores.

Solo Owners & Micro Businesses

Sole proprietors and single-location shops with steady deposits.

Trades & Service Pros

Contractors, plumbers, electricians, HVAC, cleaners, salons, and repair shops.

Local Service Businesses

Mobile services, auto detailing, landscaping, pet care, and field services.

Established Small Businesses

Multi-employee retail, food, and service businesses with consistent revenue.

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Three steps. Done.

No paperwork. No hassle. No BS.

01🏦

Connect Bank

Link your account securely via Plaid. Takes 60 seconds.

02📸

Snap Your ID

Quick photo of your government ID for instant verification.

03💰

Get Money

E-sign, get approved, and receive funds. That's it!

⏱️ Average time to complete: 5 minutes

Why small business owners choose Cashera

A faster, more flexible alternative to small business loans for owners who need capital now.

Revenue-Based Approval

We evaluate your business deposits, not just your credit score. Strong sales mean strong odds.

Fast Approval in Minutes

Connect your bank, verify your ID, and review eligibility the same day.

No Collateral, No Personal Guarantee

Get working capital without pledging equipment, property, or signing personal liability.

Flexible Repayment

Repayment moves with your revenue. Slow week? Smaller remittance.

Use It For Anything Business

Inventory, equipment, payroll bridge, repairs, marketing, licensing, or insurance.

US-Based Support Team

Real humans who understand small business cash flow, available when you need them.

Use working capital for what your business needs

There are no restrictions on how you use the funds. Spend it where it grows or protects your business.

Restock inventory before a busy season
Repair or replace critical equipment
Bridge a payroll gap during slow weeks
Launch a marketing or ads push
Cover license, permit, or insurance renewals
Handle an emergency repair or urgent expense
Buy materials for a signed contract or job
Take on a larger order without straining cash flow

How Cashera compares for small business

See how a Cashera merchant cash advance compares to traditional small business funding options.

Comparison of small business funding options
Feature	Cashera MCA	Bank Loan	SBA Loan	Business Credit Card	Payday Loan
Time to decision	Minutes	Days to weeks	30 to 90 days	Instant	Same day
Time to funding	Within 24 hours	1 to 7 days	30 to 90 days	Instant draw	Same day
Credit-score driven
Collateral required		Often	Often
Personal guarantee
Repayment flexes with revenue
Best for small business owners		Mixed	Mixed	Mixed

Real people. Real stories.

See why thousands choose Cashera.

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"Great Merchant Cash Advance! Allowed me to get my truck fixed and continue on my side hustle! The team is wonderful to work with and great if you need help with anything. I would recommend this company to any ride share drivers or 1099 workers."

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Seth Newman

Rideshare Driver •

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"I have a lot of reservations about merchant cash advances, but Cashera really proved me wrong. I like how the company was founded by actual gig workers. Their transparency about fees and repayment terms was honest and upfront!"

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Rachel

Freelancer •

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"I can't thank Cashera enough for bailing me out when my bank loan application was denied. Cashera's process was done online with no hassles. The team was responsive and guided me through every step. I'm impressed with their honesty and transparency."

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Shelly Belahov

Small Business Owner •

Small business funding FAQ

Straight answers about how Cashera works for small business owners.

What kinds of small businesses qualify?

Sole proprietors, LLCs, trades, service businesses, retail shops, food and beverage businesses, freelancers, and 1099 contractors with at least 6 months of operating history and around $2,000 or more in monthly business deposits.

Is this a small business loan?

No. Cashera is a merchant cash advance (MCA), which is a purchase of a portion of your future business receivables. It is regulated as commercial financing, not a consumer loan.

Will applying hurt my credit?

A soft credit pull is performed during the application and does not affect your credit score. Approval is primarily based on your business revenue and bank deposit history.

How fast can I get funded?

Most small business owners receive a decision in minutes and funds via ACH within 24 hours after signing the agreement.

How does repayment work for a small business?

Repayment is collected as a fixed percentage of your future business deposits via ACH on a daily or weekly schedule. When revenue is lower, your remittance is smaller.

Do I need to put up collateral or sign a personal guarantee?

No collateral and no personal guarantee are required. The advance is secured against your future business receivables.

What can I use the funds for?

Any legitimate business expense, including inventory, equipment, repairs, payroll bridge, marketing, licensing, insurance, or expansion costs.

How much can a small business get?

Up to $5,000. The exact amount is based on your monthly deposit volume and consistency.

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Ready to get funded
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Up to $5,000 in your pocket. Fast approval. Takes 5 minutes.

🔒 Bank-level security⚡ Instant approval🎯 No hidden fees

About small business funding from Cashera

Cashera Capital provides a fast loan alternative for small business owners across the United States. Our merchant cash advance is built for trades, service businesses, retail shops, food and beverage businesses, freelancers, and 1099 contractors who need working capital quickly without the friction of a traditional small business loan or SBA loan.

Approval is primarily based on business revenue and bank deposit history rather than credit score alone. Most small business owners receive a decision in minutes, with funds delivered via ACH within 24 hours of signing. Repayment is collected as a percentage of future business deposits, so it flexes with your revenue. There is no collateral requirement and no personal guarantee.

Use the funds for inventory, equipment, repairs, payroll bridge, marketing, licensing, insurance, or any legitimate business expense. Maximum funding is $5,000.