Cash-flow timing
Estimate the amount and duration of the gap rather than requesting the largest available figure.
Independent MCA broker
Business funding
built around your cash flow.
Premium Capital Solution reviews your business profile, helps you understand merchant cash advance options and identifies potential fits through independent commercial funding providers. We are not a direct funder and do not make approval decisions.
No upfront broker fee · No credit pull on this form · Provider approval required
Independent MCA broker support
Your request is reviewed by Premium Capital Solution first · Illustrative image
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.
Start with the business need
Define the problem before comparing capital.
Different funding structures create different costs, payment schedules and risks. A clear use of funds makes it easier to ask providers the right questions.
Inventory
Compare expected margin with the full cost of capital and the repayment schedule.
Equipment
Consider whether asset-backed financing may fit better than unrestricted working capital.
Expansion
Build a conservative plan that still works if new revenue arrives later than expected.
Common structures to research
Learn the differences before contacting a provider.
The descriptions below are general education, not offers, quotes or indications that a particular product is available to you.
Merchant cash advance
A provider purchases a portion of future business receivables. Pricing is commonly expressed as a factor rate rather than an annual percentage rate.
- Ask for the total repayment amount in dollars.
- Confirm whether remittances adjust when revenue changes.
- Review reconciliation, default and personal-guarantee terms.
Business line of credit
A provider establishes a credit limit that may be drawn, repaid and reused subject to its agreement and underwriting.
- Compare interest, draw fees and maintenance fees.
- Check whether the rate is variable.
- Understand renewal and personal-guarantee requirements.
Equipment financing
Financing is tied to a specific business asset. The equipment may secure the obligation and can be repossessed after default.
- Compare financing with leasing.
- Check down-payment and insurance requirements.
- Consult a tax professional about tax treatment.
SBA-backed lending
Participating lenders—not this website—originate loans that may receive a U.S. Small Business Administration guarantee.
- Use official SBA resources to verify participating lenders.
- Expect lender underwriting and documentation.
- Confirm fees, collateral and eligibility directly.
Business funding research library
Practical guides for comparing commercial funding.
Learn how common structures work, which numbers to compare and which questions to ask before sharing sensitive information with any provider.
Receivables purchase
Merchant cash advance guide
Understand factor rates, purchased amounts, remittances, reconciliation and contract terms.
Read the guide → Cost comparisonFactor rate vs. APR
See why a factor rate is not an interest rate and how to compare total dollar cost.
Compare the numbers → Revolving creditBusiness line of credit
Review draws, variable rates, fees, renewals and personal-guarantee questions.
Read the guide → Asset-basedEquipment financing
Compare loans and leases while accounting for useful life, down payment and collateral.
Read the guide → Official resourcesHow to research SBA loans
Start with SBA resources and verify the participating lender before applying.
Use the research checklist →Research by business type
Industry economics change the questions worth asking.
Our industry library focuses on cash-conversion cycles, operating costs, documentation and provider questions—not promises that a product is available.
Trucking
Routes, fuel, repairs and receivable timing
Plan around cost per mile, vehicle uptime and broker or shipper payment schedules.
Open the trucking guide → RestaurantsFood cost, labor and seasonal volume
Compare capital against prime cost, table volume, delivery fees and equipment needs.
Open the restaurant guide → ContractorsMaterials, payroll, draws and retainage
Build a project-level cash-flow schedule before comparing outside capital.
Open the contractor guide → RetailInventory turnover, margin and seasonality
Connect purchasing decisions to sell-through, markdowns and card-deposit timing.
Open the retail guide → Auto repairBay capacity, labor and equipment
Evaluate shop equipment against billed hours, parts margin and collection timing.
Open the auto-repair guide → E-commerceInventory, advertising and marketplace reserves
Use contribution margin after ads, fulfillment, returns and platform fees.
Open the e-commerce guide →How our broker process works
A clear path from business need to provider review.
Submit your business profile
Tell us about your business, revenue, funding goal and preferred contact time.
Complete a preliminary review
Premium Capital Solution reviews the request first and contacts you to clarify the business need.
Explore a potential provider fit
With your authorization, we may refer your information to an independent provider for its own underwriting and decision.
Prepare independently
What providers commonly ask you to document.
Requirements vary by provider. This preliminary form does not accept document uploads; send sensitive documents only through a verified secure method after a provider is identified.
- ✓Business historyLegal name, formation date, ownership and operating history.
- ✓Revenue recordsRecent bank statements, sales records and current financial statements.
- ✓Existing obligationsCurrent loans, advances, liens and scheduled payments.
- ✓Use of fundsA specific purpose and a repayment amount the business can realistically support.
Preliminary funding request
Tell us what your business needs.
Your request is reviewed by Premium Capital Solution first. Submission does not guarantee approval, an offer or funding.
Preliminary request only: This form does not access your credit report and does not accept bank statements, identification, tax records or account credentials. A provider may request documents later through a verified secure method.
Frequently asked questions
Clear answers about our broker service.
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.
Does submission guarantee approval or an offer?
No. Submission is not an approval or commitment. Each provider applies its own underwriting criteria and determines any amount, price, remittance schedule, conditions and funding timeline.
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.
Does Premium Capital Solution charge an upfront fee?
Premium Capital Solution does not charge merchants an upfront fee to submit this preliminary request. We may receive compensation from a provider if a referred transaction is completed. Provider costs and fees must be disclosed in the applicable written agreement.
What is the difference between a factor rate and APR?
A factor rate is a multiplier used to calculate a fixed repayment amount, while APR expresses an annualized borrowing cost. Ask any provider to disclose the total repayment amount, payment frequency, fees and an estimated annualized cost.
What should I review before accepting an MCA?
Review the purchase price, purchased amount, total repayment, factor rate, payment frequency, reconciliation process, personal guaranty, default provisions and any origination or administrative fees in the provider’s written agreement.
How can I verify a provider?
Confirm its legal business name, address, licenses or registrations where required, written agreement, total cost and complaint history. For SBA-backed products, use official SBA resources to locate participating lenders.