Merchant Cash Advance
A merchant cash advance gives you an upfront lump sum in exchange for a fixed percentage of future debit and credit card revenue. Repayment flexes with your sales — more on busy days, less on slow ones — so it suits card-heavy businesses that need cash fast and value flexibility over the lowest rate.
- Amount
- $5,000 – $500,000
- Funding speed
- As fast as 24 hours
Best for
Card-heavy businesses needing fast cash with flexible repayment.
What you get
- Approval weighted to sales, not just credit score
- Repayment flexes with daily card volume
- Funding in as little as one business day
Frequently asked questions
What is Tera Loans, exactly?
Tera Loans is a small-business financing marketplace. You fill out one short application and we match you with financing options — equipment loans, working capital, lines of credit, term loans, and SBA — from our lending network, so you can compare instead of applying to lenders one at a time.
Which industries do you work with?
All of them. Tera Loans funds construction, restaurants and food service, retail and e-commerce, healthcare practices, trucking and transportation, professional services, manufacturing, and many more. The product mix is tailored to how your industry actually earns and spends.
Will comparing my options affect my credit score?
No. Seeing what your business qualifies for uses a soft inquiry that does not impact your personal or business credit score. A hard pull only happens later if you choose to move forward with a specific offer.
How fast can my business get funded?
It depends on the product. Working capital and merchant cash advances can fund in as fast as 24 hours; equipment and term loans typically fund in 1–5 business days; SBA loans take a few weeks in exchange for the lowest rates.
Is this a consumer or personal loan?
No. Tera Loans offers business financing only — we do not provide consumer, personal, payday, auto, or mortgage loans. Financing is for established businesses and is repaid by the business.
Disclaimer
Tera Loans is a small-business financing marketplace powered by Big Think Capital. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples, ranges, and calculator results are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business, industry, and credit profile. Business financing only — no consumer, personal, payday, auto, or mortgage loans.
Representative APR ranges from 7% to 45% depending on product, industry, business profile, and credit.