# Advance Funds Network > Official Advance Funds Network business agent. Advance Funds Network provides fast, flexible business funding and same-day financing solutions for small and… ## Ask it a question Advance Funds Network answers for itself at https://api.hailera.com/mcp/advancefundsnetwork. A client that speaks MCP can connect to that address; the tool is ask_advancefundsnetwork and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## What Advance Funds Network does The merchant cash advance page defines the product: "A merchant cash advance (MCA) is a financing option where a business receives a lump sum of capital in exchange for a portion of its future sales revenue. Repayment is typically made through daily or weekly deductions from the business's sales, continuing until the advance is fully repaid." The provider "deduct[s] a fixed percentage of its daily or weekly sales until the total repayment amount is met". On cost, the page is deliberately general and gives no numbers: merchant cash advances "often come with higher costs compared to traditional financing options. The effective interest rates can be substantial, and the daily or weekly deductions can impact cash flow. It's crucial for businesses to assess the total repayment amount." Listed advantages are fast access to capital, repayment tied to sales volume, and minimal requirements on credit history or collateral. The page also describes a "true up": an adjustment that ensures a business repays only the agreed percentage of actual sales, correcting overpayment if fixed withdrawals exceed that percentage during slower sales. True ups are usually requested by the business and require documentation such as bank statements, and the site says they are most useful for seasonal businesses and businesses with fluctuating revenue. For this page the site states eligibility as a minimum projected annual revenue of $180,000 and a credit score of at least 500. No factor rate, holdback percentage, advance amount, fee schedule, term length or total repayment figure is published anywhere on the site, so pricing and cost for a specific business must come from Advance Funds Network directly. Source: https://advancefundsnetwork.com/merchant-cash-advance/ ## Where Advance Funds Network works Names Canada as a service area. Areas beyond these are not published. ## Prices Advance Funds Network does not publish its own prices, pricing, rates, factor rates, fees, funding amounts or repayment terms anywhere on its website. The only cost statement it makes about itself is "We never charge any upfront fees", plus a claim of "no hidden fees" on the home page, and a statement that business term loans arranged through Advance Funds Network can typically be repaid early without prepayment penalties and "may include built-in early payment discounts". The rate figures that do appear on the site are general market education about the lending industry, not Advance Funds Network's own quoted rates. The FAQ says business term loan interest rates from traditional banks may range from about five to ten percent while online and alternative lenders may charge roughly ten to thirty percent; business line of credit rates "may range from approximately eight percent to over twenty-four percent"; and equipment financing rates "typically range from approximately six and a half percent to thirty four percent APR, with loan amounts up to one million dollars and repayment terms of one to five years". Merchant cash advances are described only as generally higher cost than traditional loans. Because no rate card exists, any cost, price, estimate or quote for a specific business has to come from the company. A business owner gets a quote by completing the online application, by calling (888) 310-3110, or through the contact form, after which a funding specialist reviews three months of bank statements and presents the options to compare. The home page calculator that shows a qualifying amount is labelled "for illustration purposes only" and is not an offer. Source: https://advancefundsnetwork.com/business-financing-faqs/ ## How Advance Funds Network works with clients The application process published on the product pages has three steps. First, "Apply Online": a simple online application described as quick and user-friendly. Second, "Compare Approvals": "We provide you with various funding options tailored to your business needs. Take your time to compare and choose the best fit." Third, "Receive Funding": "Once you pick the best option, the funds are quickly processed and made available to you." A business owner can also contact the company by phone at (888) 310-3110 to book a conversation with a funding specialist, or use the contact form to schedule a call back. On documents, the FAQ says: "Advance Funds Network requires 3 months of bank statements to ensure that the funding we provide works for your business. We do not require any minimum personal credit score." Other pages list a credit score minimum, so the document and credit requirements should be confirmed when applying. On speed, the site says applications are reviewed and approved "in minutes" and that funding can be provided "the same day in most cases". The About page adds that "Some clients have received funds in as little as 4 hours and 11 minutes, depending on the completeness of the provided information", and the home page mentions "Funding in just 4 hours". These are described as typical or best cases, not guarantees, and the home page pre-qualification tool carries the note: "Results shown are for illustration purposes only. Applications are subject to approval." Payment schedules are not fixed in advance on the site: "Payment schedules can be structured for your convenience. We encourage you to talk with one of our specialists." Source: https://advancefundsnetwork.com/business-financing-faqs/ ## Published minimum requirements, and where the pages disagree Advance Funds Network publishes minimum requirements, but different pages of the site state different numbers, so nothing about whether a particular business qualifies should be assumed. The home page and the Business Financing FAQs page both say: "A minimum operational history of 1 Year", "Monthly revenue of at least $15,000", and "A credit score of 500 or higher". The FAQ adds that this equates to roughly $180,000 of revenue in the prior 12 months and "a minimum of 12 months in business". "A minimum operational history of 6 months", "Monthly revenue of at least $15,000", and "No mandatory credit score requirement". The Get Funded Today page states a third version: "A minimum operational history of 6 months", "Monthly revenue of at least $15,000", and "A credit score of 450 or higher". Elsewhere the FAQ says "We do not require any minimum personal credit score." What is consistent across every page: monthly revenue of at least $15,000 is referenced everywhere, and "Advance Funds Network does not provide funding for startups." The FAQ says qualification is "primarily based on business revenue, time in business, and overall financial performance rather than credit score alone" and that most revenue-generating small and medium businesses can apply "even if they have been declined elsewhere". Because the published criteria conflict, a caller should be told the ranges the site publishes and referred to Advance Funds Network at (888) 310-3110 or through the application for a decision on their own business. No approval, rate or funding amount can be promised in advance. Source: https://advancefundsnetwork.com/business-financing-faqs/ ## What Advance Funds Network has not published yet These are things people ask Advance Funds Network that its published information does not yet cover. - prices - interest rates and fees - funding amounts and approval odds - availability and funding timelines - contract terms, guarantees and refund policies - legal or tax advice - investment performance or returns Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://advancefundsnetwork.com