Advance with Us
To directly view the answer to the Frequently Asked Questions, please click one and we’ll take you right to it. Scroll down to view all.
How can Cash Advance Exchange help fund my business needs?
With a business cash advance. Providing a more responsive alternative to traditional bank lending, we offer an innovative new financing program designed to help you grow.
How does the program work?
Easily! The most important thing to remember is that it’s not a small business loan, so there are no costly loan payments, hard-to-qualify approval requirements and extensive application paperwork. Your funding is based on your future credit card sales. We simply purchase a portion of these future credit card sales at a discount. Through an automated process, we collect a small, previously agreed upon percentage from your daily credit card sales – and only after the sales are processed and batched by your business. There are upfront application fees, no fixed payments and no fixed payback terms.
How do I know if I qualify?
You must have been in business for more than 4 months, have at least $2,500 of credit card sales per month and meet a few other simple requirements.
How easy is it to get approved?
It is a lot easier and faster than a conventional bank loan. We understand the reality and hardship of owning a business or restaurant and how hard it is to get approved with a bank loan. Review our ‘Comparing Financing Options’ sheet on our website which will show you how much easier it is to receive a cash advance versus other financial sources. The majority of applications are pre-qualified within 48 hours.
Will bad credit affect my cash advance request??
It is not necessary for you to have good personal credit to receive a business cash advance. A poor credit rating will not normally influence your cash advance approval.
How can I speed up my cash advance approval?
Simply fax our 1-page cash advance application, credit card processing statements and proof of business documents to your Cash Advance Exchange agent to immediately begin your approval process.
How soon can I get the money?
Quickly! The average time from receiving the Cash Advance Exchange application to approving and funding your cash advance is usually around 5 business days.
What can I use the money for?
Most anything! Most of our customers use the money for business building needs such as adding more seats to their restaurant, advertising or stocking up on their inventory.  Others have used their cash advance to buyout a partner or for emergency needs like unforeseen maintenance issues that could disrupt their business. You are free to spend the money on whatever is best for you and your business.
Do I need to change credit card processors?
No, if you’re currently processing with us, then you do not need to change credit card processing companies. If you are not processing with us, then you need to switch your processing over to use, for it is the unique way we collect the future sales you sold us.  Our affiliated processors guarantee to meet-or-beat the transaction rates you currently have with your existing processor!
How will I pay back the business cash advance?
Payback is automatically deducted from your bank account daily, based on a low set percentage of your daily Visa/Mastercard/American Express/Discover transactions as they are settled or ‘batched’.
What kind of discount do I get if I pay early?
Since this is not a small business loan, there is no monthly payment schedule. We simply purchase a specific portion of your future credit card sales until your cash advance is paid for. We get paid only when you get paid; therefore, there is no discount for early payment. You are free to settle your obligation early if you wish.
How easy is it to apply again and get another cash advance?
If there is no significant change in your financial status, reapplying for another cash advance is easy and simple.  In fact, due to its simplicity, over 70% of our customers reapply for our cash advance services. Clients can also reapply up to 3 times for additional finanding. Furthermore, you do not have to wait until your first cash advance is fully paid off.
Whom do I call with questions about my account?
You can call our Cash Advance Exchange Customer Care Group at 1.877.865.7744 between the hours of 8:00am and 5:00pm PST.
Your smart alternative to traditional small business loan financing.

Cash Advance Exchange’s fundamental strengths define our unique position as the working capital provider of choice for smart business owners around the country.  CAE understands your business financial needs and our customer and sales support team are among the most dedicated people in the financial services industry today.
Get started.
Call our representative at 1.877.865.7744, or email us at to get your business cash advance loan today!