Empower Your Business with Fast & Flexible Merchant Cash Advances
Financing That Moves at Your Speed
Empower Your Business with Fast & Flexible Merchant Cash Advances
Financing That Moves at Your Speed
Small Business Loans
Based On Revenue
Running a business with strong, consistent sales shouldn't be limited by strict credit rules or slow approval processes from traditional lenders. Many banks overlook the true strength of your revenue stream and the momentum you've built.
At Co Buy Sell, our Merchant Cash Advance (also known as revenue-based financing) delivers fast capital based on your actual business performance and future sales potential. We provide a lump sum upfront in exchange for a portion of your upcoming revenue—repayments are automatically deducted as a small percentage of your daily or weekly sales, so payments naturally adjust to your cash flow. No heavy focus on credit scores, no collateral required, and no fixed monthly obligations that could strain you during slower periods. This approach gives you the flexibility to invest in inventory, launch marketing pushes, upgrade operations, or handle any opportunity without cash flow interruptions holding you back.
We're your true ally in growth, offering funding that scales with your success and lets you move forward confidently. When your sales are signaling it's time to expand or innovate, don't wait—get the quick, straightforward support that aligns perfectly with how your business actually operates. Apply today and turn your revenue momentum into real progress.
Experienced Lenders
Communication Between Lender & Borrower
Streamlined Lending Process
Market Analysis For Current Lending Providers
Small Business Loans Based On Revenue
Running a business with strong, consistent sales shouldn't be limited by strict credit rules or slow approval processes from traditional lenders. Many banks overlook the true strength of your revenue stream and the momentum you've built.
At Co Buy Sell, our Merchant Cash Advance (also known as revenue-based financing) delivers fast capital based on your actual business performance and future sales potential. We provide a lump sum upfront in exchange for a portion of your upcoming revenue—repayments are automatically deducted as a small percentage of your daily or weekly sales, so payments naturally adjust to your cash flow. No heavy focus on credit scores, no collateral required, and no fixed monthly obligations that could strain you during slower periods. This approach gives you the flexibility to invest in inventory, launch marketing pushes, upgrade operations, or handle any opportunity without cash flow interruptions holding you back.
We're your true ally in growth, offering funding that scales with your success and lets you move forward confidently. When your sales are signaling it's time to expand or innovate, don't wait—get the quick, straightforward support that aligns perfectly with how your business actually operates. Apply today and turn your revenue momentum into real progress.
Experienced Lenders
Communication Between
Lender & Borrower
Streamlined Lending Process
Market Analysis For Current
Lending Providers
Frequently Asked Questions
Q1. What is a Merchant Cash Advance and how does it work?
A Merchant Cash Advance (MCA) from Co Buy Sell provides a lump sum of upfront capital based on your business's future sales performance. In exchange, we purchase a portion of your upcoming revenue—typically through automatic daily or weekly deductions as a fixed percentage of your sales (via credit/debit card receipts or bank deposits). Repayments adjust naturally with your revenue flow: higher sales mean slightly larger deductions, lower sales mean smaller ones, so it never strains your cash flow during slower periods. This revenue-based structure makes it ideal for businesses with steady or promising sales but challenges in qualifying for traditional loans.
Q2. What are the eligibility requirements for a Merchant Cash Advance?
Qualification focuses on your business's actual revenue and performance rather than strict credit rules. Typically, you'll need consistent monthly deposits or sales (often $15,000+ per month or equivalent steady activity), at least several months in operation (commonly 6+ months), and a reasonable personal credit profile—we're more lenient than banks and don't require perfect scores. No collateral is needed, and we review recent bank statements or merchant processing data to see your real potential. This makes our MCAs accessible to many owners who face hurdles elsewhere.
Q3. How does repayment work, and what about fees or credit impact?
Repayment is flexible and tied directly to your sales: a small percentage is deducted automatically from your daily or weekly revenue until the agreed advance amount (plus a factor rate fee) is fully repaid—no fixed monthly payments that could burden you in slow months. There are no prepayment penalties, so paying off faster if sales surge is fine. Applying involves only a soft credit check (no impact on your score), and we don't emphasize rigid credit history. The total cost is transparent upfront via the factor rate—higher than some traditional options but offset by the speed, flexibility, and ease of access.
Q4. What can I use a Merchant Cash Advance for, and how quickly can I get funded?
Use the funds for any legitimate business purpose—buying inventory, covering payroll during dips, investing in marketing or equipment, handling unexpected expenses, or capitalizing on growth opportunities when cash flow is tight. The process is designed for speed: submit a quick online application (often in minutes), provide basic revenue docs like recent statements, get a decision fast, and—if approved—receive funds typically within 1–3 business days (sometimes same-day or next-day). Our funding specialists guide you every step, ensuring the advance amount and terms support your goals without unnecessary delays.
Frequently Asked Questions
Q1. What is a Merchant Cash Advance and how does it work?
A Merchant Cash Advance (MCA) from Co Buy Sell provides a lump sum of upfront capital based on your business's future sales performance. In exchange, we purchase a portion of your upcoming revenue—typically through automatic daily or weekly deductions as a fixed percentage of your sales (via credit/debit card receipts or bank deposits). Repayments adjust naturally with your revenue flow: higher sales mean slightly larger deductions, lower sales mean smaller ones, so it never strains your cash flow during slower periods. This revenue-based structure makes it ideal for businesses with steady or promising sales but challenges in qualifying for traditional loans.
Q2. What are the eligibility requirements for a Merchant Cash Advance?
Qualification focuses on your business's actual revenue and performance rather than strict credit rules. Typically, you'll need consistent monthly deposits or sales (often $15,000+ per month or equivalent steady activity), at least several months in operation (commonly 6+ months), and a reasonable personal credit profile—we're more lenient than banks and don't require perfect scores. No collateral is needed, and we review recent bank statements or merchant processing data to see your real potential. This makes our MCAs accessible to many owners who face hurdles elsewhere.
Q3. How does repayment work, and what about fees or credit impact?
Repayment is flexible and tied directly to your sales: a small percentage is deducted automatically from your daily or weekly revenue until the agreed advance amount (plus a factor rate fee) is fully repaid—no fixed monthly payments that could burden you in slow months. There are no prepayment penalties, so paying off faster if sales surge is fine. Applying involves only a soft credit check (no impact on your score), and we don't place much emphasis on credit history. The total cost is transparent upfront via the factor rate—higher than some traditional options but offset by the speed, flexibility, and ease of access.
Q4. What can I use a Merchant Cash Advance for, and how quickly can I get funded?
Use the funds for any legitimate business purpose—buying inventory, covering payroll during dips, investing in marketing or equipment, handling unexpected expenses, or capitalizing on growth opportunities when cash flow is tight. The process is designed for speed: submit a quick online application (often in minutes), provide basic revenue docs like recent statements, get a decision fast, and—if approved—receive funds typically within 1–3 business days (sometimes same-day or next-day). Our funding specialists guide you every step, ensuring the advance amount and terms support your goals without unnecessary delays.
TESTIMONIALS
"The Process Was Transparent"
After 15 years in corporate management, I decided it was time to be my own boss. Co. Buy Sell made the transition remarkably smooth. Their business analysts took the time to understand exactly what I was looking for and matched me with three established restaurants that fit my criteria perfectly. The valuation process was transparent, and they negotiated terms that worked for both me and the seller. Six months in, and my restaurant is thriving! Their post-acquisition support team checked in regularly during the crucial transition period. I couldn't have navigated this complex process without their expertise.
Michael T.
"Support Was Exceptional"
When I decided to expand through acquisition rather than building from scratch, Co. Buy Sell became my trusted partner. They have access to off-market opportunities that simply aren't advertised elsewhere. My representative, David, found a perfect complimentary software company that had strong fundamentals but needed fresh leadership. The due diligence support was exceptional—they uncovered potential issues I would have missed and helped structure the deal to protect my interests. The entire process took just 90 days from first contact to closing. I've already recommended Co. Buy Sell to three colleagues.
Sarah R.
" Financing Guidance Was Invaluable"
We had been searching for the right retail business to purchase for nearly two years with another broker when we switched to Co. Buy Sell. The difference was night and day! Their database of qualified businesses was extensive, and they actually listened to our requirements instead of pushing whatever was available. The financing guidance was invaluable—they connected us with SBA lenders who specialized in our specific retail sector. What impressed us most was how they managed the emotional aspects of the transaction. The seller had built the business from nothing, and Co. Buy Sell ensured a respectful transition that honored his legacy while positioning us for future success.
Robert & Maria G.
TESTIMONIALS
"The Process Was Transparent"
After 15 years in corporate management, I decided it was time to be my own boss. Co. Buy Sell made the transition remarkably smooth. Their business analysts took the time to understand exactly what I was looking for and matched me with three established restaurants that fit my criteria perfectly. The valuation process was transparent, and they negotiated terms that worked for both me and the seller. Six months in, and my restaurant is thriving! Their post-acquisition support team checked in regularly during the crucial transition period. I couldn't have navigated this complex process without their expertise.
Michael T.
"Support Was Exceptional"
When I decided to expand through acquisition rather than building from scratch, Co. Buy Sell became my trusted partner. They have access to off-market opportunities that simply aren't advertised elsewhere. My representative, David, found a perfect complimentary software company that had strong fundamentals but needed fresh leadership. The due diligence support was exceptional—they uncovered potential issues I would have missed and helped structure the deal to protect my interests. The entire process took just 90 days from first contact to closing. I've already recommended Co. Buy Sell to three colleagues.
Sarah R.
" Financing Guidance Was Invaluable"
We had been searching for the right retail business to purchase for nearly two years with another broker when we switched to Co. Buy Sell. The difference was night and day! Their database of qualified businesses was extensive, and they actually listened to our requirements instead of pushing whatever was available. The financing guidance was invaluable—they connected us with SBA lenders who specialized in our specific retail sector. What impressed us most was how they managed the emotional aspects of the transaction. The seller had built the business from nothing, and Co. Buy Sell ensured a respectful transition that honored his legacy while positioning us for future success.
Robert & Maria G.
Same day business
funding.
Expertly matched.
We shop 50+ lenders so you get the best terms on SBA, term loans, lines of credit, equipment financing & more — often funded the same day.
Funding that actually works
for your business
Same-Day Funding
Approved applications receive funds in as little as 4 hours.
No Collateral Needed
We fund based on your business performance, not your personal assets.
Simple Online Process
Upload 3 months of bank statements. No paperwork. Done in minutes.
Why Finance With Co. Buy Sell?
At Co. Buy Sell, financing isn’t an afterthought — it’s integrated with our full suite of services. We don’t just connect you to loans; we help ensure your business is positioned for approval and long-term success.
Integrated Financing + Advisory
We combine funding expertise with hands-on business advisory to help you succeed at every stage.
Flexible Solutions
Our partners offer tailored funding for buying, selling, growing, or licensing businesses.
Positioned for Success
We don’t just match you — we help strengthen your application and improve approval odds.
A simple 3-step process
Getting the funding your business needs is easier than you think.
Apply Online
Fill out our quick 60-second application. It’s simple, fast, and gets you started right away.
Get Matched
We match you with the best lenders for your situation and present you with clear options.
Receive Funding
Choose your offer and get funded — often the same day or within 24–48 hours.
Takes less than 60 seconds • No credit impact
The right loan for your business.
Expertly matched.
SBA Loans
Low rates, long terms up to 25 years. Ideal for growth, real estate, and acquisitions.
Business Term Loans
Fixed payments, predictable rates. $25K–$2M. Perfect for equipment, inventory, expansion.
Business Line of Credit
Flexible revolving credit up to $1M. Draw only what you need.
Working Capital Loans
Quick access to operating funds. Bridge seasonal gaps or seize opportunities.
Merchant Cash Advance
Fast funding based on future sales. No collateral required.
Consolidation Loans
Simplify multiple debts into one lower payment.
Equipment Financing
Finance new or used equipment with little to no money down.
Real businesses. Real results.
Join thousands of business owners who got funded with Co. Buy Sell
"Co. Buy Sell helped me secure $475K when every bank said no. David was great and walked me through every step."
"Matt made the process quick and easy. I had my equipment financed in under 48 hours with zero hassle."
"David was fantastic. He found me better rates than I could have gotten anywhere else. Highly recommend."
"Matt made everything so simple. I got $320K in working capital with almost no paperwork."
"Co. Buy Sell helped me buy my first food truck. David was patient and found the perfect loan for my situation."
"Matt made the process quick and easy. I was funded in 36 hours. Best decision I made this year."
"David was great. He explained everything clearly and got me approved for an SBA loan when I thought it was impossible."
"Matt made the process quick and easy. I had my line of credit approved in less than two days."
"Co. Buy Sell helped me secure $475K when every bank said no. David was great and walked me through every step."
"Matt made the process quick and easy. I had my equipment financed in under 48 hours with zero hassle."
Frequently Asked Questions
Common questions. Straight answers.
- A minimum operational history of 6 months
- Monthly revenue of at least $15,000
- A credit score of 450 or higher
Ready to grow your business today?
Join thousands of Co Buy Sell partners who got funded in hours.
Average approval time: 8 minutes
Get In Touch
Email: [email protected]
Address
Office: 30 N Gould Street, STE R
Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone Number:
(585) 888-5629
Navigating Transactions, Maximizing Potential
M&A Advisory Services For Privately-Held Businesses
© 2026 Co. Buy Sell - All Rights Reserved