Commercial working capital
Working capital for growing businesses.
Montreux Holdings helps established small businesses access working capital through merchant cash advances: a purchase of a portion of your future receivables, with remittances tied to your sales.
How it works
Three clear steps
No pressure and no obligation. You see the terms in writing before you decide.
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Apply
Complete one online application about your business and its owners. It takes about five minutes.
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Review
A representative contacts you, then sends a secure link for recent business bank statements. Funding providers review your revenue and history.
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Get funded
If approved, you receive a written offer with required disclosures. If you accept, funds are sent to your business account.
Who we serve
Built for businesses with steady sales
Merchant cash advances fit businesses with consistent card or bank deposits that need flexible capital for inventory, payroll, equipment, repairs, or growth.
See industries we serve- Restaurants and food service
- Retail stores
- Trucking and transportation
- Contractors and construction
- Medical and dental practices
- Salons and spas
- E-commerce sellers
- Auto repair and service
Why Montreux Holdings
A private-finance approach to small business capital
Plain-language terms
We explain how an advance works, what it costs, and how remittances are collected before you sign. Ask anything.
A network of funders
We work with multiple funding providers, so your request can be matched to programs that fit your industry and revenue.
Careful with your data
Bank statements go through a secure link, never email. No ad trackers on this site, and we do not sell your information.
Common questions
Frequently asked questions
Is a merchant cash advance a loan?
No. A merchant cash advance is the purchase of a portion of your business's future receivables at an agreed discount. The funding provider collects an agreed percentage or amount from your sales until the purchased amount is delivered.
Who can apply?
Businesses, including sole proprietors and self-employed owners. Not a business? Leave your name below and we will call you. Funding providers generally look for an operating business with a business bank account, consistent monthly revenue, and some time in business. Each provider sets its own requirements, and approval is never guaranteed.
How long does the process take?
It depends on how quickly documents are provided and on each funder's review. We will give you a realistic estimate once we understand your situation. We do not promise a funding time.
Why does the full application ask for my Social Security number?
Funding providers need it to verify the owner and review credit before they make an offer. It is sent over an encrypted connection and shared only with the funders reviewing your request. We never ask for bank account numbers or banking passwords.
Not a business?
Self-employed, gig work, or a personal need? Leave your name.
Our funding programs are built for businesses, but we may still be able to point you in the right direction. Leave your first and last name and a phone number, and a representative will call you to talk through your options.
No obligation. Requesting a call does not affect your credit. Monday to Friday, 9:00 a.m. to 6:00 p.m. ET.
Thank you. We got your name.
A representative will call you shortly at the number you gave us.
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Ready to talk about working capital?
Apply online in about five minutes. A representative will follow up to discuss your options. No obligation.