Frequently asked questions

A merchant cash advance is the purchase of a portion of a business's future receivables. A funding provider pays your business a purchase price now, and in exchange receives an agreed amount of your future sales, collected over time. It is not a loan.

Montreux Holdings works with a network of third-party funding providers to find options that fit your business. The funding provider makes the final decision and is the party to the agreement. We may receive compensation from the funding provider.

Our funding programs are for businesses, and funds must be used for business purposes. If you are self-employed, do gig work, or are not sure your situation fits, leave your name and number and a representative will call you to talk through your options.

Requirements vary by provider, but they usually consider:

• An operating business with a business bank account
• Consistent monthly revenue or deposits
• Some time in business
• Existing advances or obligations
• The industry and the state where the business is located

Meeting these does not guarantee approval.

Funding providers typically review business performance and may also review the credit of the business and its owners. How much weight credit carries depends on the provider. Any credit review happens only with your authorization.

We work with businesses in many states, but not all. We are not currently accepting requests from businesses in Connecticut, Missouri, Texas, Virginia. Some funding providers have additional state restrictions.

Timing depends on how quickly documents are provided, how complete they are, and each funding provider's review. We will share a realistic estimate after we speak. We do not guarantee any funding timeline.

After you apply, you may be asked for some of the following through our secure portal:

• Recent business bank statements
• Owner identification
• Business formation details
• Information about any existing advances or financing
• In some cases, card processing statements or tax returns

We will never ask you to email these documents.

Funding providers need the owner's Social Security number and date of birth to verify identity and review credit before making an offer. Your application is sent over an encrypted connection and shared only with the funders reviewing it. We never ask for bank account numbers or online banking passwords on this website.

Because an MCA is a purchase of receivables, there is no loan repayment. Instead, the funding provider collects the purchased amount through remittances, often a fixed daily or weekly amount or a percentage of sales, taken from your business account or card processing. Many agreements allow a reconciliation if your actual sales change.

Cost depends on the funding provider, your business's revenue and history, the amount, and the expected delivery period. Your written offer will show the purchase price and the total amount of receivables purchased, along with any disclosures required by law. Ask us to explain any part of it.

Any fees connected to an offer will be disclosed in writing before you sign. Ask us about any fee you do not understand.

Some businesses do, but multiple advances can strain cash flow. Tell us about any current advances so we can give you an honest view.

No. We share your information only with funding providers and service providers as needed to process your request, as described in our Privacy Policy.

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