Line of Capital Ultra is revenue-based business financing — not a bank loan and not a credit card. You're approved once for a total amount, then draw against it as you need it, paying only for what you draw. It's underwritten on your sales rather than your FICO, so approvals are faster and the credit bar is lower than a bank's.
Pay a draw back within four weeks and your cost on that draw drops. Draw for a short-term need, clear it fast, keep the rest open. Because we already see your card volume, we can tell you quickly whether this is worth your time — and financing and processing stay separate. Taking one never requires the other. To see how much you qualify for Apply Now
| Term | What it means for you |
|---|---|
| Amount available | Up to $2,000,000, depending on your revenue, time in business, and industry. |
| Program length | Up to 24 months, made up of a drawdown period and a payment period. |
| Cost of capital | Priced as a factor rate, not an interest rate. Rates start at 1.02 for the four-week discount window; your actual rate is set at underwriting and will be disclosed in writing. |
| Four-week discount | Pay a draw back within four weeks of taking it and you earn a discount on the cost of that draw. |
| Origination fee | Varies based on multiple factors — revenue, time in business, industry, and program size. Your exact fee is disclosed in writing before you sign. |
| Repayment | Scheduled payments tied to your business revenue. Your specialist will show you the exact amount and frequency before you sign. |
| Speed | Approval decisions typically same-day; funding often the same business day once documents are complete. Not guaranteed — complex files take longer. |
| Credit | Lower-credit and higher-risk files are considered. Credit is a factor, not the deciding one. |
Merchant Advisory Services is a payments consultancy firm. They are not a bank nor a lender. Line of Capital Ultra is sales-based financing arranged through third-party funding partners. It is not a loan, nor is it a bank line of credit, and not a consumer credit product, and is available for merchants who accept credits cards only. All amounts, rates, terms, and timeframes shown are illustrative program maximums and starting points — not an offer of credit and not a pre-approval. The 1.02 factor rate is the lowest available rate, applicable to amounts repaid within the four-week discount window; actual pricing is determined by underwriting and varies by file. An origination fee applies to funded amounts and varies by file, and is disclosed in the written offer. Approval, funding amounts, and funding speed are subject to underwriting and are not guaranteed. Any specific offer will be accompanied by the written disclosures required under applicable disclosure laws.
Merchant Advisory Services · 99 Wall Street, #1122, New York, NY 10005 · 646-780-0802 · merchantadvisoryservices.com