Independent MCA broker

Merchant cash advance for established U.S. businesses

Need working capital for inventory, payroll or a business cash-flow gap? Premium Capital Solution is an independent MCA broker. Tell us what you need so we can review your business before considering a provider referral.

Start a funding request →Check our requirements

No credit pull through this form · No documents to upload · Provider approval required

✓One preliminary request instead of applying to providers one at a time.
✓No credit report is pulled on this form and no upfront broker fee is charged.
✓Nothing is shared with a provider until you authorize it on the form.
✓Plain-language help comparing factor rates, total repayment and remittance terms.

Call +1 (857) 444-4481 Read the funding guides →

Typical strong-fit profile

$20K+monthly revenue
1 year+in business
500+credit score
4 monthsbank statements
No tax liensand no defaults
Max 2active business loans

These are the criteria we screen against before submitting a file. Each provider sets its own box on top of these, and approval is never guaranteed.

Independent broker and ISO · Provider approval required · Funding is not guaranteed

Illustrative small-business owner reviewing accounts on a laptop behind a shop counter — Illustrative image; not an actual client, approval or result.

See if your business fits

Step 1: your contact details and funding need. Step 2: your business profile and consent.

No credit pull No upfront fee You control consent

Built for established U.S. businesses seeking working capital. Most strong-fit requests have $20K+ in monthly revenue and at least one year in business.

Step 1 of 2 · Funding request

Step 1 of 2 — Start your request

Your contact details let us follow up about this request. Nothing is submitted until you complete step 2.

First name *

Last name *

U.S. phone number *

Email address *

Business name *

Funding amount *

Average monthly revenue *

Time in business *

No documents or credit pull at this stage. This is a preliminary request, not an approval or funding offer.

Step 2 of 2 — Business snapshot

A few final details help us review fit before anyone contacts a provider.

Business state *

Business ZIP code *

Industry *

Owner credit score *

Active business loans or advances *

Open tax lien or past default? *

Preliminary request only. No bank login, SSN, tax records or identity documents are requested here. Prefer to talk? Call +1 (857) 444-4481.

IMPORTANT DISCLOSURE

Premium Capital Solution is an independent commercial finance broker and ISO, not a bank or direct funder. We may help prepare and refer business funding requests to independent providers. Providers—not Premium Capital Solution—determine eligibility, approvals, amounts, pricing, repayment terms and funding timelines. No result is guaranteed.

Independent brokerWe help merchants prepare and evaluate commercial funding requests.

Preliminary reviewYour request reaches Premium Capital Solution before any provider referral.

Provider decisionsIndependent providers control underwriting, offers and funding.

Clear communicationReview costs, remittance terms and agreements before accepting an offer.

Explore merchant cash advance funding with a broker

Looking for a merchant cash advance for an established U.S. business? Premium Capital Solution reviews your funding need, business revenue and existing obligations before considering a referral to an independent provider. We help you understand the questions to ask about an offer, including how much cash reaches your account and what future remittances could mean for your business.

A merchant cash advance is commonly structured as a purchase of future business receivables. It differs from a conventional business loan. Before choosing a funding structure, review the agreement, total cost, collection schedule and any reconciliation process for changes in revenue.

Check your business funding requirements before applying

Our initial screening profile includes at least $20,000 in average monthly revenue, one year in business and an owner credit score of 500 or above. We also review existing business loans or advances, tax liens and defaults. Have four months of business bank statements available for a later review; the preliminary website form does not request documents.

These are our broker screening criteria, not universal MCA requirements or an approval promise. Review the merchant cash advance requirements or learn how credit affects a funding request.

Compare the cost, not just the funding amount

Before accepting an offer, ask for net funds received, the total amount to be remitted, all fees and the collection frequency in writing. A factor rate is not an annual percentage rate. Compare the effect of the proposed withdrawals on your operating cash alongside any current obligations. Read our factor rate vs. APR guide and MCA vs. business loan comparison.

What would a merchant cash advance cost?

There is no verified rate quote from this website. For an illustration only, a $50,000 advance at a 1.30 factor produces a $65,000 purchased amount before any additional charges. If $2,000 is withheld in fees, net proceeds are $48,000 and the difference from the $65,000 total is $17,000. The factor rate alone does not express an annual cost or show whether withdrawals fit your cash flow.

Ask for the net deposit, total payable, withdrawal schedule and reconciliation terms in writing. The FTC's small-business financing discussion identifies concerns about MCA costs and payment adjustments when sales fall. Use our factor rate and APR examples before deciding whether to proceed.

Working capital questions for your industry

A restaurant preparing for a busy season has different cash needs from a trucking company waiting on customer invoices. Explore restaurant merchant cash advance and working capital considerations, trucking business funding considerations, auto-repair shop funding for parts and payroll or the industry funding library before sizing your request.

Start your merchant cash advance request

Tell us your funding amount, revenue and time in business. Premium Capital Solution reviews your request first. Provider approval and terms are separate, and funding is not guaranteed.

Check your business fit →

Our basic qualifiers

What a business needs before we submit a file.

These are the six things we check before a request goes anywhere. They are our screening criteria, not a provider's approval standard — each provider adds its own box on top. Knowing them up front means you can tell in about a minute whether this is worth your time.

$20,000+ average monthly revenue

Measured on business bank deposits, not invoiced or projected sales. Consistency across the months matters more than one strong month.

1+ year in business

Counted from the entity's formation or the start of trading under the current ownership, whichever a provider can verify.

No tax liens or defaults

Our screening profile calls for no open tax liens or prior defaults. Disclose any lien, payment plan or default so we can review your situation; each provider makes its own decision.

No more than 2 active business loans

Count advances, term loans and lines currently being repaid. Our screening limit is two active obligations. Include their payment schedules when reviewing whether another remittance is affordable.

4 months of business bank statements

The four most recent full months for the operating account. Requested only after we speak with you — never uploaded through this website.

Credit score of 500 or above

Our broker screening profile uses an owner credit score of at least 500. This is not a universal provider minimum or a promise of approval. No credit report is pulled through this form.

An active U.S. business bank account is assumed throughout — remittances are drawn from the operating account, so a personal account cannot be used.

Meeting all six is what lets us submit a file with confidence. It is not an approval: every provider underwrites independently and can decline for reasons outside this list, including industry restrictions and deposit patterns. Falling short on one point does not always end the conversation — call and we will tell you honestly whether it is worth pursuing.

Read the full MCA requirements guide →

How our broker process works

A clear path from business need to provider review.

STEP 01

Submit your business profile

Tell us about your business, revenue and funding goal. No documents and no credit pull at this stage.

STEP 02

Complete a preliminary review

Premium Capital Solution reviews the request first and contacts you to clarify the business need and the amount that fits it.

STEP 03

Explore a potential provider fit

With your authorization, we may refer your information to an independent provider for its own underwriting and decision.

You decide whether to accept anything a provider offers. Nothing on this site is an offer of credit, and no step guarantees funding.

Frequently asked questions

Clear answers about our broker service.

What are your basic qualifiers?

We screen every request against six criteria before submitting it: at least $20,000 in average monthly business revenue, at least one year in business, no tax liens or defaults, no more than two active business loans or advances, four months of business bank statements available, and an owner credit score of 500 or above. An active U.S. business bank account is assumed throughout. Meeting all six is not an approval — providers underwrite independently and set additional criteria of their own.

What if my business does not meet one of the qualifiers?

You can still submit the form and we will tell you honestly where you stand. Some shortfalls are workable — a business at eleven months, or one waiting on a lien release — and some are not. What we will not do is pass a file to a provider knowing it does not fit, because that wastes your time and burns the relationship on our side.

Is Premium Capital Solution a direct funder?

No. Premium Capital Solution is an independent commercial finance broker and ISO. We review merchant requests and may refer them to independent funding providers, but we do not supply the capital or make approval decisions.

What happens after I submit?

Your preliminary request reaches Premium Capital Solution first. We may contact you to clarify the request. With the authorization provided on the form, a potentially suitable request may then be shared with one or more independent providers for evaluation.

Will this form affect my credit?

Premium Capital Solution does not request or access a credit report through this form. A provider may later request permission for a soft or hard credit inquiry; review that authorization before agreeing.

How do you handle my information?

Information submitted through the form is used to review your request and, with your authorization, may be shared with independent providers for evaluation. See the Privacy Policy for details and the Terms of Use for the terms governing this site.

Ready when you are

Tell us what your business needs.

One preliminary request, reviewed by Premium Capital Solution first. No credit pull, no upfront broker fee and no information shared until you authorize it.

Start your funding request → Call +1 (857) 444-4481