Capitalize on opportunities with a merchant cash advance - minimal paperwork and no collateral required.
Complete our one-page application with bank statements and let us get to work.
Our proprietary scoring system will deliver underwriting decisions in a flash. Sit tight — we're still working.
You're more than just a number. After our software does its magic, an actual person (!) will walk you through your options.
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 MCA funding when the bank declines your loan request? Banks decline almost 90% of business loans applications – atGemini, 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 merchant cash advances.
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.
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
A Merchant Cash Advance (MCA) 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, an MCA 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.
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.
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.
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.
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.
"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 ThorupGemini 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.
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.
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.
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.
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.
Easy application process. Get funding options fast with no obligation.
Let us get to work for you.