Merchant Cash Advance and Small Business Funding for Multnomah County, Oregon

A merchant cash advance (MCA) provides upfront capital to your business. Instead of fixed monthly payments, the funding partner takes a percentage of your daily credit card sales until the advance is repaid. This can be helpful if your revenue varies by season or if you need fast access to cash. For example, a restaurant in Portland's Pearl District might use an MCA to cover payroll during a slow month.

Other types of funding work differently. Working capital loans, equipment financing, business lines of credit, and invoice factoring each have their own terms. Our free matching service helps you see which options are available based on your business profile-no credit decision or funding comes from us.

Through our vetted funding partners, we can match you with several types of funding: merchant cash advances (based on future sales), working capital loans (for day-to-day expenses), equipment financing (to buy or lease machinery or vehicles), business lines of credit (flexible draw-and-repay), and invoice/receivables funding (advance against unpaid invoices). Each type has its own structure and cost.

For example, a construction contractor in Gresham might use equipment financing for a new excavator, while a retail shop in Beaverton might prefer a line of credit for inventory purchases. We help you explore what fits your business without pressure.

Multnomah County has a diverse economy, and we routinely help businesses in many sectors. Common industries include restaurants and food trucks (especially in Portland), retail shops, trucking and logistics companies, construction and contracting firms, auto repair shops, salons and barbershops, medical and dental practices, and e-commerce sellers. These businesses often have fluctuating revenue, making them good candidates for merchant cash advances or other flexible funding.

We also help service-based businesses like cleaning companies, landscapers, and professional services. The key is that your business generates revenue-whether through card sales, invoices, or regular payments. Our matching service is open to most industries.

A merchant cash advance is not a loan, but it has a cost. The funding partner uses a factor rate to determine the total you must repay. For example, if you receive $10,000 with a factor rate of 1.2, you would repay $12,000. That $2,000 is the cost of the advance. There is no APR because it is not a loan, but the effective cost can be higher than traditional financing. Always read the terms carefully.

We strongly encourage you to understand the total payback amount, the percentage of daily sales withheld, and the repayment period. Compare offers from different partners. Our service is free and puts you under no obligation-you decide if an offer works for your business.

Qualifying for a merchant cash advance typically requires your business to have been operating for at least a few months, with consistent monthly revenue-often from credit card sales. The exact requirements vary by funding partner. When you use our free matching service, you simply provide basic information about your business. We then match you with partners who may be interested.

There is no cost, no obligation, and no credit check upfront (though some partners may run a soft pull later). The process is quick, and you can receive offers in as little as 24 hours. We never share your information without your permission.