Get the working capital your business needs.

Capitalize on opportunities with a merchant cash advance - minimal paperwork and no collateral required.


Apply Now

Proprietary underwriting technology, combined with awesome people.

Simple application process.

Complete our one-page application with bank statements and let us get to work.

Underwriting done in minutes.

Our proprietary scoring system will deliver underwriting decisions in a flash. Sit tight — we're still working.

Talk to a human, not an algorithm.

You're more than just a number. After our software does its magic, an actual person (!) will walk you through your options.

Merchant Funding Services & Solutions

Instant access to capital

Merchant Cash Advance

  • Fixed cost of capital
  • Same-day funding available
  • Not based on credit score
  • Funding up to $5 million
Apply Now
Funds available in days

Business Loans

  • Weekly & monthly payment terms
  • Unsecured options available
  • Less paperwork than the bank
  • Loans up to $10 million
Apply Now
Fast access to a revolving line of credit

Line of Credit

  • Funds available on demand
  • Draw as little or as much as you need
  • Pay for what you draw
  • Credit lines up to $10 million
Apply Now

Get Revenue-based Financing to Expand Your Business without All the Extra Paperwork

Are you having trouble finding the working capital you need to grow your business? Whether you need a business cash advance to cover payroll, expand your business or just to buy equipment- where do you go for funding when the bank declines your loan request? Banks decline almost 90% of business loans applications – at Gemini, we approve an alternative – we approve almost 90% of business applications for funding. In 2019, alternative finance offers better products and fast service for small business loans and revenue-based financing.

What is Revenue-based Financing?

A Merchant Cash Advance (MCA) is a flexible funding solution designed for businesses that need fast access to capital. Unlike traditional loans, an MCA provides an upfront sum of cash in exchange for a percentage of future credit card sales or revenue. This means repayment adjusts with your business’s cash flow—when sales are high, you pay more; when sales slow down, payments decrease accordingly


Whether you're expanding, purchasing inventory, or covering short-term operational costs, an MCA offers a hassle-free alternative to conventional business loans, without requiring perfect credit or extensive paperwork.

Why choose Gemini over other sources of capital?

At Gemini Business Funding, we understand that every business is unique, and one-size-fits-all funding solutions don’t always work. That’s why we stand out:


  • High Approval Rates – We approve 90% of applications, helping businesses get the funding they need, even when banks say no.

  • Same-Day Decisions – Our proprietary underwriting technology ensures fast approval, often within minutes.

  • Funding in Hours – Receive funds as soon as the same day, so you can focus on growing your business.

  • No Collateral Required – Your assets remain protected, and funding is based on revenue—not personal credit.

  • Flexible Repayment – Repay as you earn, with no fixed monthly payments.


We prioritize people over algorithms—once you’re approved, a dedicated funding specialist will walk you through your best options

Other highlighting features of our business cash advance include:

  • Get a merchant cash advance starting from $10,000 up to $10 million in funding
  • Terms range from 3-18 months. Rates vary depending on numerous factors.
  • Funds available in your bank account within just hours
  • Merchant cash funds deposited into your bank account directly
  • No credit requirements, collateral required or a pre-payment penalty
  • Handle payroll, expansion or pay for inventory with a merchant cash advance for business
  • Pay only fixed cost without a variable interest rate or an APR
  • You receive funds on your terms
  • Automated cash payment
  • The entire process can be done remotely. No need to visit our office or the bank. Just email everything over or give us a ring!

Don’t waste any time. Apply now!
Learn how to get funded fast!

Apply Now

Advantages of Merchant Advance Cash Over a Business Loan

Revenue-based Financing offers unparalleled speed and flexibility compared to traditional business loans. While bank loans often require extensive paperwork, high credit scores, and weeks of waiting, an MCA provides funding in as little as 24 hours with minimal documentation. Instead of fixed monthly payments, repayment is based on your business’s revenue—so when sales slow down, your payments adjust accordingly. This ensures that your cash flow remains steady without the burden of rigid due dates or compounding interest.


Unlike traditional loans, revenue-based financing does not require collateral, meaning your personal assets remain protected. Approval is based on your business’s performance rather than your credit score, making it an excellent option for businesses that may not qualify for conventional financing. Additionally, there are no restrictions on how the funds are used—whether for payroll, marketing, inventory, or expansion, you have complete control over how to invest in your business’s growth. With fast approvals, flexible repayment terms, and no personal risk, a merchant cash advance is a powerful tool for business owners seeking immediate access to capital.

You get the funds deposited amount quickly in your bank account

When your business needs capital, waiting weeks for loan approvals is not an option. With a Merchant Cash Advance (MCA) from Gemini Business Funding, funds can be deposited into your bank account in as little as 24 hours. Our fast and straightforward application process ensures you get the working capital you need—without the hassle of traditional bank loans.

No restrictions on how you spend the borrowed money

Unlike conventional loans that come with strict spending guidelines, an MCA provides you with full control over how you use your funds. Whether you need to purchase inventory, cover payroll, invest in marketing, or expand operations, there are no restrictions—giving you the flexibility to make the best decisions for your business.

Credit score is not important

Traditional lenders rely heavily on credit scores when making funding decisions, making it difficult for many businesses to secure the capital they need. At Gemini Business Funding, we focus on your business’s revenue and potential, not just your credit history. Whether your score is high or low, you still have a strong chance of getting approved for the funding necessary to grow and sustain your business.

No need to risk your assets

Unlike traditional loans that often require personal collateral, an MCA is an unsecured funding solution—meaning you don’t have to put up your home, car, or other valuable assets as security. This protects your personal and business assets while giving you access to fast capital, ensuring that you can focus on scaling your operations without unnecessary financial risks.

See What Our Customers Say...

"The cost of a Gemini investment completely beat our in-house options out of the water. It was a no-brainer in terms of cost."

Klaus Thorup
Chief Technology Officer

How Does Our Process Work?

Gemini makes it super quick and simple for you to apply for a business cash advance. Our process does not require extensive and stressful paperwork and long processing duration. Here is how it works in four simple steps.

1. Apply Online

No need to waste your time and efforts with long applications - just send us our 1 page application and 4 months of your most recent business banking statements and we'll get to work.

2. Underwriting

Once we receive your application and bank statements, our software processes it and gives a score to your business based on our set criteria. This enables us to determine the best MCA funding options for you.

3. Review Offers

Once you are approved for the cash advance or a business loan, one of our funding professionals will get in touch with you to discuss the available business advance cash loan offers and terms over the phone.

Funded

After you sign contracts and complete the requirements - we'll send the funding over via wire transfer or ACH. Typically, funding is done same-day or next day on a merchant cash advance.

Talk To Our Funding Specialists

Easy application process. Get funding options fast with no obligation.
Let us get to work for you.

Apply Now Call us at (800) 358-0007