Startup Banks & Merchant Cash Advances

Launching a Startup business is an exciting thing, but how can it come without challenges; access to capital. Traditional startup banks often require a strong credit, years in business, and piles of documentation work before approving funding.  For many new entrepreneurs, that simply isn’t realistic.

That’s where Merchant cash advances step in.

At Swish Funding, we help the startup skip the red tape and get fast, flexible funding designed for real-world business needs. If your startup is generating sales but struggling to qualify for traditional loans, a merchant cash advance could be the solution you have been looking for.

Let us explore how Merchant Cash Advances work, why startup banks fall short, and how Swishh Funding helps you grow faster.

Why Startup Banks Aren’t Always Startup-Friendly?

Startup bank mainly focus on:

• Long operating history
• High credit scores
• Detailed financial paperwork
• Fixed monthly repayment schedules

While these requirements protect banks, they often leave startups with limited options, especially in the first year of business.

Even profitable startups get turned away simply because they have not been around long enough.

That's why more founders are turning Merchant Cash Advances as an alternative funding solution. 

What Are Merchant Cash Advances?

A Merchant Cash Advance provides your business with a lump sum of capital upfront in exchange for a portion of your future card sales.

Instead of fixed monthly payments like a bank loan, repayment adjust based on your daily or weekly revenue.

How it Works:

• Startups receive funding very quickly (usually within 24-72 hours).
• A predetermined percentage of the startup's credit card sales is automatically deducted on a daily or weekly basis in order to repay the advance.
• If sales increase, the startup will pay off the Merchant Cash Advance faster.
• If sales decrease, the startup will repay the Merchant Cash Advance at a slower rate.

This flexible structure makes Merchant Cash Advances ideal for startups with fluctuating income.

Why Startup Choose Merchant Cash Advances over Bank?

Here is why Merchant Cash Advances are becoming the go-to funding option for growing startups;

Fast Approvals: No waiting weeks for underwriting. Swish Funding can approve your application quickly.

Minimal Paperwork: Forget endless financial statements. We focus on your sales performance, not just credit scores.

No Collateral Required: You dont need to risk personal or business assets

Flexible Repayments: Payments move with your revenue, protecting cash flow during slower periods.

Lowe Credit Barriers: Perfect for startups with limited or challenged credit history.

Use Funds However You Need: Inventory, payroll, marketing, expansion; its your choice

Who Benefits Most from Merchant Cash Advances?

Merchant cash advances work especially well for:

• E-commerce Businesses
• Convenience Stores
• Hospitality Startups
• Retail Startups
• Cafes and Restaurants
• Service-Based Companies

If your business accepts card payments and needs quick capital to grow, MCA funding may be a perfect fit.

Startup Banks vs Merchant Cash Advances: The Real Difference

When speed and accessibility matter, Merchant cash advances clearly outperform traditional startup banking.

Reasons Why You Should Consider Working With Swish Funding

Swish Funding is the best option to provide fund assistance for your startup business when Banks have said "No". The following reasons are why Swish Funding has the edge over its competition:

• Quick funding decision
• Easy-to-complete Online Applications
• Approval Criteria for Startup Business
• Clearly displayed and showed (i.e., No hidden costs)
• Funding Specialist (Professional)
• Creating custom funding solutions (i.e., for all businesses).

We at Swish Funding understand that every business has its own needs and provide our applicants with flexible funding solutions to allow them to focus on GROWING their business.

How Startups Can Use MCA Funding?

Most of the Business Startups we have provided funding for are using MCA(s) to help them accomplish several goals such as:

• Preparing for peak/busy days by stocking up their inventory
• Marketing (Advertising Campaigns)
• Hiring People (Employees) and/or creating Staff
• Replacing or upgrading Equipment and liquidating Used or Old Inventory
• Paying Operating Expenses and Activity Costs
• Expanding into New Locations

When Business Startups use MCA Funding in the proper manner, they find that they are able to grow at a much faster pace due to the influx of funding through MCA.

Are you Ready to Grow? Get Funded with Swish Funding Today

Startup banks are not built for modern enterpreneurs, but Swish Funding is.

If you are really tired of waiting on traditional loans, let our Merchant Cash Advances help you move forward with confidence.

👉 Apply with Swish Funding today and get a fast funding decision

👉 No collateral. No complicated paperwork. Just real support for your startup

Your business deserves momentum, and Swish Funding is here to deliver it.