Merchant Cash Advance
Get capital now and repay as a small share of your daily card sales, so repayment flexes with your revenue instead of a fixed bill.
Business Funding • North Texas
Business Funding Without the Runaround
When opportunity or a slow season calls, Minerva connects North Texas businesses with fast, flexible funding based on your processing volume, not just your credit score. Simple terms, quick decisions, and no pressure.
See if you qualifyFunding that fits the way your business actually runs
Financing options
Five ways to fund the next move
Working capital
Cash for payroll, inventory, and the slow month
A revolving line or short-term advance sized to your deposits, drawn when you need it and repaid as revenue comes in. Approvals look at recent processing volume, not just a credit score.
✓Lines from $5,000 to $5,000,000
✓Same-day funding on approved lines
✓Draw and repay as often as you need
Sized to your deposits
Underwriting uses your last three to six months of processing, so the limit reflects real cash flow.
No collateral on most lines
Unsecured up to most limits, which leaves equipment and property unpledged.
Costs quoted up front
One fee schedule, with no origination surprises at signing.
Equipment financing
Get the equipment now, pay as it earns
Terms structured against the useful life of what you are buying, kitchen lines, refrigeration, vehicles, or POS hardware, so the payment matches the revenue the asset produces.
✓$20,000 to $5,000,000 per asset
✓Terms from one to five years
✓Section 179 deduction eligible in most cases
Soft costs included
Delivery, installation, and training can be financed alongside the asset.
New or used
Auction and private-sale equipment is considered with an appraisal.
$1 buyout options
Choose an ownership path, or a lease with a lower monthly payment.
Term loans
A fixed schedule you can plan a year around
Amortizing loans for expansion, buildouts, or refinancing more expensive debt, one payment amount and one end date, instead of a daily draw that moves with your batches.
✓$10,000 to $10,000,000
✓Terms from two to ten years
✓Fixed monthly payments
Refinance costly debt
Consolidate daily-payment advances into a single predictable monthly payment.
Buildouts and expansion
Fund a second location with terms matched to how fast it ramps.
Prepay without penalty
Pay early on most programs and keep the interest you save.
Merchant cash advance
Repayment that flexes with your sales
An advance against future card sales, repaid as a fixed percentage of each daily batch. Slow week, smaller payment. It is the fastest option available, and the one we are most careful about recommending.
✓$20,000 to $50,000,000
✓Funding often within 24 hours, terms of 3 to 18 months
✓No fixed monthly payment
Approval on volume, not FICO
Thin or damaged credit histories are frequently still approved.
Cost stated as a factor rate
You know the total payback before signing, not an APR you have to model.
Renewals at 50% paid
Most programs allow additional funding once half the balance is retired.
Check eligibility
What it actually takes to get approved
Most businesses qualify for at least one program. Here is what underwriters look at before anything is submitted, so you are not spending a hard credit pull to find out.
✓Three months in business for most programs
✓$20,000 or more in monthly deposits for most programs
✓No open bankruptcies
Soft pull first
We pre-screen without touching your credit score.
What we will ask for
Three months of bank and processing statements, plus a signed application.
An answer within a day
A yes, a no, or the specific thing to fix, usually the same day.
Business funding
Business funding up to $50M, built for simplicity
Apply in minutes and get funds as soon as 24 hours later. Every industry qualifies for something, and one application covers all six programs.
10,000+
Businesses funded
$500M+
Capital delivered
100+
Lender partners
24 hrs
Fastest funding
Our funding solutions
Revenue-Based Loan & MCA
$20,000 to $50,000,000
Term3 to 18 months
Min creditNone
Revenue$30K / month
Time in business1 year
Funding speed24 hours
Equipment Financing
$20,000 to $5,000,000
Term1 to 5 years
Min credit580
Revenue$30K / month
Time in business1 year
Funding speed1 to 2 days
SBA 7(a) Loan
$250,000 to $5,000,000
Term5 to 25 years
Min credit680
Revenue$500K / year
Time in business2 years
Funding speed1 to 3 months
Business Term Loan
$10,000 to $10,000,000
Term2 to 10 years
Min credit500
Revenue$20K / month
Time in business3 months
Funding speed24 hours
Business Line of Credit
$5,000 to $5,000,000
Term6, 9, or 12 months
Min credit550
Revenue$20K / month
Time in business2 years
Funding speedSame day
Personal & Start-Up Loan
$20,000 to $500,000
Term1 to 5 years
Min credit700 (Experian)
Revenue$50K (tax returns)
Time in business0 months
Funding speed24 hours
Real estate lending
Real estate funding up to $50M, closing in as few as 10 days
Investment properties, fix and flip, ground-up construction, and commercial mortgages. Foreign nationals eligible on most programs, with interest-only options and rates starting at 4%.
$50M
Max loan amount
85%
Max LTV / LTC
10 days
Fastest close
30 yrs
Longest term
Minimum property value $150,000
Loan amounts $100,000 to $50,000,000
Interest-only options available
Loan programs
Hard Money Bridge Loans
Fix & flip / cash-out refinance
Loan amount$100K to $50M
Term6 to 24 months
LTV65% to 80%
Interest rate6% to 14%
Close time2 to 4 weeks
Foreign nationalsEligible
Rental Investment
Property loan (DSCR)
Loan amount$100K to $50M
Term5, 7, 10, 15, 30 years
LTV70% to 80%
Interest rate4% to 7%
Close time3 to 4 weeks
Foreign nationalsNot eligible
Commercial Property
Mortgage
Loan amount$100K to $50M
Term5 to 30 years
LTC50% to 75%
Interest rate6% to 14%
Close time3 to 4 weeks
Foreign nationalsEligible
Ground-Up Construction
Loan program
Loan amount$100K to $50M
Term6 to 24 months
LTC55% to 85%
Interest rate5% to 14%
Close time3 to 6 weeks
Foreign nationalsCase by case
Documents required for pre-approval
✓1003 real estate loan application
✓Purchase agreement (if applicable)
✓Recent credit report
✓Copy of appraisal (if available)
✓Three months of bank statements
✓Recent mortgage statement (refinance)
✓Rent roll (if applicable)
✓Plans and permits (construction)
Ready when you are
Get a free, no-pressure quote today
Fill out the form or call to schedule. No contracts, no termination fees, and 0% processing fees through dual pricing.