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  • The Process

A Simple Funding ProcessBuilt for Business Owners

From application to funding in as little as 24 hours. Our streamlined process was built for busy business owners who don't have time for paperwork and long bank waits. We've got the expertise — you focus on your business.

01

5 minutes

Eligibility Criteria

Getting started is easy — our streamlined application takes just minutes to complete. Simply share some basic details about your business along with 3–4 months of recent bank statements (4 months if you’re based in California or New York). No tax returns, no lengthy financial packages. We keep the upfront requirements minimal so you can focus on running your business while we handle the rest.

02

~1 hour

Underwriting Review

Once your application is submitted, our seasoned underwriting team gets to work immediately. We go beyond just credit scores — we analyze your actual revenue patterns, cash flow consistency, and overall business health to build a complete picture. Our goal is to understand your business inside and out so we can match you with the right funding solution, quickly and accurately.

03

2–4 hours

Pre-Approval Offers Sent

If you meet our qualifications, you’ll receive one or more personalized funding offers crafted around your unique revenue profile and business needs. Every offer comes with fully transparent terms — no hidden fees, no confusing fine print, and absolutely no obligation. Take your time to review and compare, or reach out to our team with any questions before moving forward.

04

Same day

Agreement Sent & Signed

Found the right fit? Fantastic. We’ll prepare a clear, straightforward purchase agreement and send it to you via DocuSign for fast, legally binding electronic signatures. The entire signing process is seamless, secure, and can be completed from any device — whether you’re at your desk or on the go. No printing, no faxing, no hassle.

05

1–2 hours

Final Underwriting

Found the right fit? Fantastic. We’ll prepare a clear, straightforward purchase agreement and send it to you via DocuSign for fast, legally binding electronic signatures. The entire signing process is seamless, secure, and can be completed from any device — whether you’re at your desk or on the go. No printing, no faxing, no hassle.

06

Same day

Receive Funds

This is the moment you’ve been waiting for. Once final underwriting is complete, funds are wired directly to your business bank account — often within hours. Many of our clients receive their capital the very same business day they sign. No waiting weeks, no uncertainty. Just fast, reliable funding so you can seize opportunities, cover expenses, or invest in growth right away.
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Fast · Secure · No Obligation

What We Look At

Our underwriting team focuses on your real business performance — not just a credit score. This helps us provide fast, fair financing even for businesses that don't qualify through traditional lenders.

Monthly revenue & deposits

Cash flow trends

Time in business

Industry & business type

Overall business performance

Credit card sales history

Basic Requirements to Qualify

Most businesses qualify. We focus on your performance and potential, not perfect credit.
  • Minimum 6 months in business
  • FICO score 500+
  • Min. 5 deposits per month
  • $20,000+ in monthly revenue
  • Active business bank account
  • 51%+ ownership

FAQ

Frequently Asked Questions

Everything you need to know about merchant cash advances and working with Olam Funding.
What is a merchant cash advance?

A merchant cash advance (MCA) is a lump sum of capital provided to your business in exchange for a percentage of your future daily revenue. It’s not a loan — it’s a purchase of your future receivables, which makes it faster, more flexible, and more accessible than traditional bank financing. There is no interest rate; instead, you’ll see a fixed factor rate applied to your advance amount.

Olam Funding provides merchant cash advances ranging from $5,000 to $500,000 depending on your monthly revenue, time in business, and overall business health. We tailor every offer to your unique financial profile.

Most applications receive an approval decision within 2–4 hours. If approved before 3:00 PM ET, funds can be wired directly to your business bank account the same day. Otherwise, funds typically arrive the next business day via ACH transfer.

Generally, you need at least 6 months in business, a minimum of $20,000 in monthly revenue, an active business bank account, and a FICO score of 500+. We consider all credit types — past credit challenges or a previous bankruptcy won’t automatically disqualify you. We focus on your actual business performance.

Repayment is automatic and revenue-based. A small fixed percentage is deducted daily or weekly from your business bank account via ACH. On slower days, you pay proportionally less. There are no fixed monthly payments to worry about, and no penalties for paying early.
Applying for a merchant cash advance with Olam Funding only requires a soft credit pull for initial review, which does not negatively impact your personal credit score. Your business credit may be reviewed as part of underwriting.

Ready to Fund Your Business?

Join thousands of business owners who trust Olam Funding for fast, transparent merchant cash advances.

Complete our simple pre-qualification form and receive a personalized funding offer — no obligation, 100% secure, built for your business.

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Fast · Secure · No Obligation · Soft Credit Pull Only