Revenue-based funding
Merchant Cash Advance
An advance against your business's future sales, repaid as an agreed percentage of daily or weekly revenue.
- Working capital
- Seasonal dips
- Unexpected opportunities
Funding solutions
Three funding structures. One honest conversation about which fits.
The right structure depends on how your revenue arrives and what the capital is for. We walk through it with you before anything is committed.
Predictable payments
Short-Term Business Loan
A defined funding amount repaid in fixed instalments over an agreed term, so you always know the amount and the timing.
- Equipment
- Expansion
- One-time projects
Flexible draw
Business Line of Credit
An approved limit you can draw on as needed and repay as cash flow allows, rather than a single lump sum up front.
- Cash-flow gaps
- Inventory
- Ongoing flexibility
Side by side
How the three structures differ.
| Structure | How repayment works | Best suited to |
|---|---|---|
| Merchant Cash AdvanceRevenue-based funding | An advance against your business's future sales, repaid as an agreed percentage of daily or weekly revenue. | Designed for businesses with steady card or cash flow that need working capital without a fixed monthly obligation. Repayment moves with your sales. |
| Short-Term Business LoanPredictable payments | A defined funding amount repaid in fixed instalments over an agreed term, so you always know the amount and the timing. | Suited to a specific, one-time use — equipment, an expansion, a build-out — where a fixed schedule is easier to plan around. |
| Business Line of CreditFlexible draw | An approved limit you can draw on as needed and repay as cash flow allows, rather than a single lump sum up front. | Useful for managing uneven cash flow: cover a gap one month, repay when receivables land, and keep the facility available. |
Costs, fees, payment amounts and repayment terms are specific to your business and are always set out in writing in the offer issued to you before you sign anything. Prestige Advance does not commit to lend and all funding is subject to underwriting review and approval.
What you'll need
Have these ready to speed up your review.
You can start your application without them — save your progress, come back, and upload as you go. If something else is needed after review, you will see a specific request in your portal.
- Business bank statements (last 3 months)
- Business bank statements (last 6 months)
- Government-issued photo identification
- Voided business check
- Business bank verification letter
- Most recent business tax return
- Profit & loss statement
- Balance sheet
Not sure which structure fits?
Start the application and tell us what the funding is for. A specialist will review it and recommend the structure that actually suits your business.