Unsecured Business Loan for High Risk Business


Is CapVance Unsecured Business Loans high risk merchant cash advance?

No, it is not a high risk merchant cash advance. We offer true business loans with fixed terms and payments.

How much capital can you lend me?

We offer loans from $5,000 up to $100,000 based on the monthly cash flow of the business.

What makes a company eligible?

A Main Street business is a good candidate if it has a separate business bank account, has been open for business for over one year, and processes at least $3,000 in credit card transactions per month. If a company does not accept credit cards, it can be eligible for an CapVance loan if it has been open for business for at least 2 years and has an average business bank account balance of at least $3,000 per month.

What information do you need from me to apply?

Depending on how you receive payments from your customers, you may need some or all of the following:

  • Tax ID number
  • Credit card statements for the previous 3 months
  • Merchant processor name, ID, and phone number 
  • Bank statements for the previous 3 to 6 months
  • Drivers license number and state of issue

How soon will I know if I'm approved?

Within 1 business day of receiving your completed application, we will let you know if you've been approved.

Is this for Business Or Personal funds?

Loans are strictly for business/merchant purposes. If you are looking for a personal or payday loan please go to: simplepayday.co.uk/paydayloans .

When will I receive the funds?

Loans are funded within 5 business days of receiving all completed loan documents.

How do I repay the loan?

ACH debited payments are made from your business bank account to CapVance. These small regular payments are proven to prevent the snowball effect often caused by missing larger monthly payments. We will inform you of your exact payment amount, and our online loan management portal allows you to monitor the activity.

What is the typical term of your loans?

6 or 12 months.

Do I have to switch my credit card processor?

No. We simply review your credit card information to determine the performance of your business. Our high risk cash advance is compatible with all high risk payment processing services including bankcard usa and advance payment systems.

What if I need additional money - Can I apply for a second loan?

Yes. Once you have successfully repaid 50% of your loan, you are eligible to apply for additional capital to continue building your business.

Can I prepay my CapVance loan early?

Yes, you can prepay your loan at any time. However, given the short term of our loans, if you choose to prepay, you will still be required to pay all principal and all interest as if you kept the loan until maturity. If you choose to prepay a portion of your loan, the prepayment will be applied to principal and interest just as your daily payment is applied.

Why are CapVance loans more expensive than bank loans?

There is a reason traditional banks will only lend to small businesses with high credit scores – small businesses can be pretty risky. We know that every small business owner works hard to protect and grow their business, but many close their doors each year. CapVance wants to give small businesses a chance – because sometimes all they need is a bit of working capital to occasionally boost their cash flow and succeed. With this mission to help small businesses comes risk, and we price accordingly. CapVance loans are still typically up to 50% less than cash advances and the next best alternative to a traditional bank loan.


"CapVance will  save  our client  money without sacrificing  quality service  that is how  we have a  client for life"-                                                                                                                                                                 Bill O'Donnell, CEO and President