Merchant cash advances · for business
Funding for the shop you built.
Get $100 to $5,000 for stock, repairs or a slow month, repaid from the sales you already make. One short request reaches the funders in our network. Free to ask, and it won’t touch your credit score.
How much does the business need?
How it works
Four steps, and you can stop at any of them.
- 1
Tell us what the business needs
An amount and your name, then a few details about the business. One page, nothing to print.
- 2
We pass it to funders
The request goes to third-party funders of merchant cash advances. We are not a funder and we do not decide on it.
- 3
A funder reviews your revenue
A funder that wants to make an offer looks at your recent receipts, usually through your business bank account, and sends its terms.
- 4
You sign it or you walk away
Nothing is agreed until you sign the funder's Revenue Purchase Agreement. Reading an offer and declining it costs you nothing.
$5,000
The most you can ask for
$0
What Velomora charges you
2 min
To send your request
Soft
Inquiry only, no effect on your score
What owners use it for
Money for the things that keep you open.
Restock before the rush
Fill the shelves ahead of a busy season instead of after it.
Fix what keeps you open
An oven, a cooler, a van: back in service before it costs you a week.
Bridge slow payouts
Cover payroll and suppliers while card settlements catch up.
Say yes to a good deal
Buy in bulk when a supplier offers a better price.
Who we work with
Built for the businesses on your street.
Shops, stalls, studios and the self-employed. If your business takes card or bank payments every week, one request can reach funders who look at those sales.
Market stalls
Corner stores
Boutiques
Florists & makers
Questions
Straight answers.
If something here contradicts a document a funder sends you, the funder’s Revenue Purchase Agreement governs. This page governs nothing; it describes what we do.
Is Velomora the funder?
No, and this is the one worth reading twice. Velomora is a connection provider. We pass your request to third-party funders of merchant cash advances; they decide independently whether to make an offer and set every term. We are not a party to the Revenue Purchase Agreement you would sign.
What is a merchant cash advance?
A funder buys a portion of your business's future receivables and pays you a lump sum now. It is not a loan. You remit an agreed share of your receipts, daily or weekly, until the fixed purchased amount has been delivered.
What does it cost?
The cost is fixed up front: the advance times a factor set by the funder. On a $2,500 advance at a 1.30 factor, the total remitted is $3,250. It is not interest, it does not compound and it is never expressed as an APR. Using this site costs you nothing.
Who qualifies?
A US business or self-employed owner, 18 or older and authorized to act for the business, with about 3 months in business, about $1,500 in monthly revenue and a business bank account. It is for commercial purposes only, never personal, family or household use. Meeting these does not guarantee an offer.
How much can the business ask for?
Between $100 and $5,000. What a funder offers, if anything, depends on your revenue and may be less than you asked for.
Does checking my options affect my credit score?
No. Checking your options is a soft inquiry and does not affect your credit score. Velomora never asks for a fee in advance; if anyone claiming to be us asks for a payment to release an advance, it is not us. Write to help@velomora.net.
Which states are excluded?
Funding is not offered to businesses in California and New York. Availability elsewhere depends on which funders in the network operate in your state.
One request
$100-$5,000for the business, and no fee to ask.
It takes a few minutes, it costs nothing, and it does not affect your credit score. What happens after that is a funder’s decision, and then yours.
