Merchant Cash Advance: 1st-4th Position Working Capital Funding
Fast, Flexible Revenue-Based Financing for Established Businesses
Direct Lending for Cash Flow-Driven Businesses
At LVRG, we provide merchant cash advances and working capital loans the right way—based on your total monthly revenue, not just credit card sales. We fund against consistent, verifiable gross sales and cash flow, not desperation or survival. If you’re a stable, growing business looking for fast, ethical, and transparent funding, you’re in the right place.
As a direct lender, we underwrite and fund most deals internally. In select cases, we co-invest alongside 20 of the strongest and most reputable direct funders in the country. That means decisions are fast, flexible, and rooted in real underwriting—not red tape.
MCA Funding Terms & Structure
📌 Funding from $15,000 to $1.5 million
📌 Fixed payment structure (daily, weekly, bi-weekly, or monthly)
📌 Rates as low as 1.11 factor
📌 Terms from 6 to 36 months, depending on the deal
📌 No prepayment penalties in many cases
📌 Funds delivered as fast as same day
📌 Zero upfront fees, zero surprises
We tailor your advance based on your actual performance—not inflated numbers or guesswork. Our approach is built on stability, transparency, and long-term partnership.
Minimum Qualifications
To qualify for LVRG working capital:
At least 6 months in business
$25,000+ in monthly gross revenue
Consistent cash flow with no major month-to-month drops
Healthy bank balances and responsible financial behavior
We do NOT fund businesses in freefall, with declining revenue, extreme debt stacking, or negative balances. We are here to support healthy, growing companies—not provide last-ditch bailouts.
Who We Fund
LVRG supports a wide range of industries with reliable working capital solutions, including:
Auto repair shops & collision centers
Contractors of all types: general, HVAC, plumbing, electrical, roofing, etc.
Service providers: IT, janitorial, logistics, professional services
Craft breweries, liquor stores, & gas stations
Wholesalers & distributors
Restaurants & bars (including QSR, casual, and dine-in)
Retail stores & boutiques
Salons, spas, and wellness centers
Manufacturing companies
Medical & dental offices
We’ve funded over 10,000 small businesses across the U.S. across most industries and business types.
Why Business Owners Choose LVRG
✅ We're a Direct Lender
We underwrite and fund in-house. If your deal qualifies, you’ll get a decision straight from us. If not, we bring in capital from a highly vetted, elite network of co-investors with full transparency.
✅ Ethical, Transparent, Experienced
We’ve built our reputation by doing business the right way—no gimmicks, no games, no bait and switch. We tell you the truth upfront and guide you through the entire process.
✅ Fast, No-Nonsense Process
Most deals are funded the same day or within 24 hours. There’s no long application process or endless document requests.
✅ We Fund Stability and Growth—Not Desperation
We fund healthy, stable, and growing businesses—not those operating in survival mode. If your revenue is trending down month after month, your bank statements show frequent NSF activity, minimal or negative balances, or you're stacked with multiple MCAs and scrambling for more cash to cover payments, we're not the right lender for you.
As a direct funding source, we take every deal seriously—and we only move forward with businesses that demonstrate consistent cash flow, operational stability, and a clear path to growth with the right capital structure in place. If that sounds like your business, we're ready to help.
Our Funding Process
Quick Consultation – We assess your cash flow, business goals, and funding needs.
Streamlined Application – A simple submission of bank statements and basic business info.
Internal Underwriting – We review your revenue trends, consistency, and balances.
Approval & Offer – You receive clear terms, repayment schedule, and funding timeline.
Same-Day Funding – In most cases, funds are wired within hours of approval.
Get Fast, Ethical Capital from a Leading MCA Lender
At LVRG, we know how hard it is to run a business. We’re here to give you the working capital advantage without the stress, traps, or confusion of traditional funding. Our team is experienced, responsive, and committed to your success.