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Frequently Asked Questions

Everything you need to know about getting funded with Hard Rock Finance.

What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance is not a loan, but rather an advance based upon the future revenues or credit card sales of a business. We provide a lump sum of capital upfront, and in exchange, we purchase a percentage of your future daily or weekly revenue at a discount until the advance is settled.
Our process is built for speed. Once you submit a completed application and the required bank statements, we typically provide an offer within a few hours. Upon signing the agreement, funds are usually wired to your business bank account within 24 hours.
While we do perform a soft credit pull, personal credit scores are not the primary factor in our underwriting process. We focus much more heavily on the overall health, cash flow, and revenue history of your business.
To qualify, your business generally needs to be operating for at least 6 months, generate a minimum of $15,000 in monthly gross revenue, and maintain a dedicated business bank account.
No. Our Merchant Cash Advances are completely unsecured, meaning you do not need to put up personal assets, equipment, or real estate as collateral.
Repayment is automated and designed to work with your cash flow. We collect a small, fixed percentage of your daily or weekly bank deposits via ACH. This means if you have a slow week, the amount collected is smaller, protecting your business’s day-to-day operations.
No, there are absolutely no upfront or application fees. We only make money when your business successfully receives capital.