REAL ESTATE INVESTOR FINANCING
Fast Business Capital Based on Future Sales.
A Merchant Cash Advance provides upfront business capital based primarily on the operating business's revenue and expected future sales. It is generally repaid through frequent payments tied to the business's revenue structure rather than through a traditional long-term amortizing loan.
Program Details
- Funding Range
- Approximately $10,000–$500,000+
- Funding Speed
- Approximately 24–48 hours on qualifying businesses
- Repayment
- Revenue-based, tied to the business's revenue structure
- Collateral
- Generally not secured by the real estate deal property under the current core structure
- Qualification
- Monthly revenue, bank deposits, business operating history, cash flow, industry, existing obligations, current business condition
Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.
Who This Program Is For
- Immediate closing expenses
- Rehab float
- Materials
- Contractor payments
- Deposits
- Short-term operating needs
- Urgent business-purpose capital
How It Works
A Merchant Cash Advance provides upfront business capital based primarily on the operating business's revenue and expected future sales. It is generally repaid through frequent payments tied to the business's revenue structure rather than through a traditional long-term amortizing loan. Qualification depends heavily on monthly revenue, bank deposits, business operating history, cash flow, industry, existing obligations, and the current business condition.
Not Cheap Financing
An MCA is not a traditional term loan and is generally more expensive than lower-cost forms of capital. It is another possible tool for filling the capital gap when speed matters — not the preferred choice when a lower-cost option such as a business line of credit or term loan is available. Do not imply every primary mortgage lender will accept MCA proceeds as required borrower equity or reserves.
Who This Generally Fits
Operating businesses with consistent monthly revenue, bank deposits, and cash flow. Qualification depends heavily on monthly revenue, bank deposits, business operating history, cash flow, industry, existing obligations, and current business condition.
Qualification Snapshot
- Driver
- Monthly revenue & bank deposits
- Repayment
- Revenue-based, not a traditional term loan
- Collateral
- Generally not secured by the real estate deal property
- Note
- Generally more expensive than lower-cost options — a tool, not the first choice
Published thresholds are pre-screening guidelines, not approvals. Final eligibility depends on the complete borrower profile, property, transaction, provider, and underwriting. Broader or alternative programs may be available for profiles outside these guidelines.
Learn How This Works
Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.
Read the GuideFrequently Asked Questions
Run the Numbers
Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.
Open CalculatorInvestment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
Ready to submit a merchant cash advance deal?
Submit once. We'll review the transaction and identify potential financing paths.