How it Works

  • How It Works

    There is a big difference between Merchant Cash Advance and a Small Business Loan. Find out the difference and why so many merchants are choosing this type of financing over a loan.
    There is a big difference between Merchant Cash Advance and a Small Business Loan. Find out the difference and why so

    Merchant Cash Advance

    Many business owners are now turning away from small business loans and taking advantage of our programs. The entire funding process takes between 1-3 days. With a 99% approval rating, almost everybody gets approved, even with bad credit. Our advances have 0% interest. Unlike a bank loan or a credit card, we charge a flat fee for our services, and therefore the total due never increases over time. Apply now!

    Step 1


    Full out a simple application, and send us the most recent 4 months bank statements to receive a free quote within 24 hours or less. We would be able approve you for the maximum amount, and the lowest daily payment depending on your business performance.

    Apply Step 1

    Step 2

    Get Approved, and Choose!

    After you get approved, you will be presented with a number of different options, and you will be able to choose which offer you would like to move forward with. We can also customize the perfect program to fit your business needs.

    Ocean Lending Group receives a small percentage of you total sales

    Step 3

    Get Funded!

    Within 24-48 hours of choosing your funding offer, you will receive the funds in your account. Make payments on time to build a credit history with us, and your next round of funding will be more money with a lower rate!


    Your Business Does Not Need to Process Credit Cards

    Since not all businesses process credit cards, we have partnered with two of of the banks we do business with to create  the “Bank Only ACH Program“. If your business does not accept credit card payments, this is an especially valuable tool.

    All transactions involving payback are based on total gross income amounts shown in the deposits in the business’s bank account, as opposed to credit card sales. An ACH mechanism is then implemented to facilitate the payback.

    Due to the nature of the program, there are more underwriting requirements. Due to the programs infancy, the Business Cash Advance timeframe is shorter than usual. By basing our program on capital based on your gross deposits, we can approve more clients.

    If you have some business financing questions or would like a free consultation, please contact Ocean Lending Group, LLC today.

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