Restaurants & cafés
Payroll, produce, and the quiet weeks between busy ones.
Business funding
Capital for your next move.
You’ve built a business that works. When it’s time to hire, restock, or expand, Instant Capital Group helps established businesses across the United States fund what comes next.
Applying does not commit you to an offer.
- Advances, loans, and credit lines
- One short application
- U.S.-based team
What we offer
Seven ways to fund an established business. Each works differently, so choose the one that fits how your business earns and spends.
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Merchant cash advance
A lump sum against your future sales, repaid as a share of what you take in. Slow weeks mean smaller payments, and there’s no collateral to pledge.
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Line of credit
Get approved for a limit once, then draw what you need, when you need it. You only pay for what you use, and repaid funds open back up.
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Small business loans
The full amount up front, with a fixed payment and a set term. Built for planned investments like equipment, a build-out, or a second location.
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Bridge loans
Short-term financing that covers the gap while a mortgage, a sale, or a large payment comes through, so you can close on time.
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Invoice factoring
Sell unpaid invoices for cash now instead of waiting 30 to 90 days for customers to pay. Approval leans on your customers’ payment record.
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Asset-based loans
Borrow against inventory, receivables, or equipment. Because the loan is secured, it can cost less than unsecured options.
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Commercial real estate loans
Buy, refinance, or renovate offices, storefronts, and warehouses, with long terms and a predictable monthly payment.
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Not sure which fits? Apply and choose “Not sure yet.” We’ll recommend one.
Who we work with
Mostly owner-operated businesses with steady sales and a reason to grow.
Salons & barbershops
More chairs mean more supplies, usually before the next booking.
Retail shops
Seasonal stock has to be paid for before the season starts.
Makers & specialty
A bigger workshop means more work. It also means more rent.
Contractors, landscapers, and service businesses work with us too. Not sure whether you qualify? Apply and we’ll tell you.
What the money is for
Most funding goes toward one of these. Often more than one.
Payroll and bills
Make payroll and rent when a month runs slower than expected.
Inventory
Order stock before the season starts instead of after it sells out.
Equipment
Repair or replace the equipment your team depends on every day.
Growth
Hire, open another location, or take the job you’ve been saying no to.
How it works
The application is short. The conversation after it is the part that matters.
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Apply online
Tell us your business name, the kind of funding you want, the amount you need, and any advances you’re carrying. It takes about two minutes.
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We look at your sales
An underwriter reviews your application and gets back to you with the options that fit.
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You decide
Review the terms in writing. If the offer works, sign and get funded. If it doesn’t, walk away.
Apply now
Questions? (838) 288-3171
Common questions
If yours isn’t here, call or email us at (838) 288-3171 or [email protected].
Which type of funding is right for me?
It depends on what the money is for and how your business gets paid. Compare the options, pick one on the application, or choose “Not sure yet” and an underwriter will recommend one.
What is a merchant cash advance?
It’s an advance against future card sales, not a loan. You get the money up front and repay it through a share of the sales you make. Slower weeks mean smaller payments.
How much can I apply for?
It depends on the type of funding, your sales, and what the business can comfortably handle. Our options range from $5,000 to $10 million. Put the amount you need on the application, and an underwriter will tell you what’s available.
How fast can I get funded?
It depends on the file. Some move in a day; others take longer. We’ll give you a realistic timeline once we’ve seen your sales.
Where do you work?
We work with established businesses across the United States. Applications are handled online and by email, so you don’t need to be nearby.
Do I need good credit?
Not necessarily. For most options we look mostly at your sales and cash flow. Your credit history can still affect the terms.
Do I need collateral?
Not for a merchant cash advance. Asset-based loans and commercial real estate loans are secured by assets or property, and invoice factoring is based on your invoices. We’ll tell you up front if an option needs collateral.
What do you need from me?
The application asks for your business name, phone, email, the type of funding, the amount you need, and any current MCA balances. If you move forward, we may ask for recent bank statements and, depending on the option, invoices, asset details, or tax returns.
What does it cost?
It depends on the option. Advances are priced with a factor rate; loans and lines of credit with interest or fees. Your cost, total repayment, and payment schedule are spelled out in writing before you sign.
See what your sales can support.
Apply online in about two minutes. Nothing happens until you agree to the terms.