107 E Broadway, New York, NY 10002

(917) 342-2936joe@americabusinessadvance.com

America Business AdvanceCorporation · New York

Working capital for established businesses

One application. More than one way forward.

America Business Advance helps established businesses look at revenue-based financing, term working capital, and lines of credit. You see the amount, the cost, and the payment schedule before you decide.

Start my applicationSee how the review works
  • Simple preparation
  • No obligation to accept
  • Terms before you sign
A lit corner storefront on a wet city street at dusk
$5k–$500k+
Ranges you can request
1 business day
A common review window, not a promise
3 or 4 months
Of business bank statements
(917) 342-2936
Joe Brown, direct

Funding options

The ambition is yours. The structure should match it.

Same application. Which option appears depends on the partner and the statements. Requests on the form run from $5,000 to $500,000 and up.

  • Revenue-based financing

    A lump sum against future sales, repaid from card receipts or a daily or weekly ACH. This is the merchant cash advance structure. Often the path when deposits are steady and the calendar is short.

    Explore this option

  • Term working capital

    A set amount with a scheduled repayment, when a partner offers it. Easier to plan around than a holdback that moves with sales. The file still has to support the payment.

    Explore this option

  • Line of credit

    Draw, repay, and draw again if the agreement allows it. Fits uneven months better than one lump sum. Fewer files qualify, and the line can be reduced or closed by the provider.

    Explore this option

Real reasons owners call

Illustrative uses. What you can actually arrange depends on the review.

  • The dining room and the line

    Refresh a room, replace a cooler, or stock up before the weekend rush. Illustrative — product availability depends on the review.

  • Inventory before the rush

    Buy stock ahead of a season, a contract, or a supplier discount that will not wait.

  • Equipment that earns

    Put a truck, a chair, or a machine back in service so the week is not lost to a repair.

  • Payroll in a short week

    Cover a pay cycle when deposits and invoices are not landing on the same day.

  • A marketing push

    Fund a campaign or a second location’s opening without emptying the operating account.

  • A gap between jobs

    Bridge the space between a signed contract and the first payment.

A clearer process, then you decide.

Read the full process

  1. 01

    Simple start

    One application and your recent business bank statements. The same file can be read for more than one kind of funding.

  2. 02

    A clearer picture

    Partners look at revenue, time in business, credit, and any payments you already make. That is the review — not a promise.

  3. 03

    Your decision

    Compare the amount, the total cost, how often you pay, and the agreement. You do not have to accept.

Who this is for

Start with the essentials.

Restaurants, shops, clinics, salons, repair bays, trucking, trades, and convenience stores. A useful check before you upload statements — not a guarantee anyone will say yes.

  • An operating business and a business bank account
  • Recent statements — 3 months, or 4 in California and New York
  • An owner who can verify identity
  • Revenue in line with the amount you want to discuss
  • Use of funds for the business, not a personal expense
A quiet back office with a laptop, calculator, and a stack of folders

Talk to a person

Call Joe Brown before you upload a thing.

If you are not sure an advance is the right tool — or you want to know what the statements need to show — call or write. The application is there when you are ready. It asks for sensitive owner information, so use a private device.

Office
107 E Broadway
New York, NY 10002

Good questions, before the statements.

Is this only for businesses that have been open a while?

The fit is an operating business with deposits, not a concept. Many partners want about a year of history and steady monthly revenue. Newer businesses can still apply; they are harder to place. A startup with no bank activity is not a fit.

Is revenue-based financing a loan?

Not necessarily. It is often a purchase of future receivables: a lump sum, then remittance from sales or by ACH until an agreed total is paid. A term product or a line, if offered, is a different contract. The agreement — not this page — decides what you owe.

What will payments and cost look like?

They depend on the product and the underwriting. A revenue-based offer is usually quoted as a factor, not an APR. As an illustration only, a 1.30 factor on $20,000 means $26,000 is remitted over time. Term products and lines are priced differently. This is not a quote. Read the amount, the total cost, and the payment schedule before you sign.

Will applying involve a credit check?

The form asks for an estimated FICO score. Any later inquiry — soft or hard — is up to the provider and the authorization in the application. We do not promise that a review leaves your credit untouched.

Do I have to accept an offer?

No. Meeting a starting point is not an approval, and an offer is not an obligation. If the payment does not fit the cash flow, do not take it.

How fast can funds arrive?

Many files are reviewed within one business day after statements and owner information are in. If a provider approves, funding is on their schedule — sometimes the same day, sometimes longer. We do not promise a clock.

You’ve got the business. Let’s look at what’s next.

One application. No obligation to accept what comes back. Call (917) 342-2936 if you want to talk it through first.

Start my application