Know what it costs before you ask.
Working capital for payroll, inventory or equipment comes with a payback number. See it first, then decide whether to send an inquiry.
Ventr3 is not a lender. Eligibility, approval, and terms are determined by funding providers.
See the payback before you inquire.
Move the sliders to see total payback, financing cost and a rough daily payment. Figures are illustrative, not an offer, and the cost shown leaves out any provider fees.
A factor rate is not an annual interest rate. Review the provider’s complete offer, including payment schedule and any fees, before accepting. Open the full MCA calculator or compare two offers.
Numbers first. Details second.
Check the cost
See how a factor rate turns into total dollars owed.
Tell us what you need
Share your amount, what it is for, and how to reach you. Business details are optional.
Read the provider’s terms
If a provider reviews your inquiry, that provider decides eligibility and sets its own terms.
Questions to ask for your kind of business.
Ask these before you apply.
- What is a merchant cash advance and how does it work?
- A merchant cash advance is a purchase of a portion of a business's future receivables in exchange for capital today. Repayment is generally collected through daily or weekly remittances. Ventr3 is not the funding provider; providers determine whether to offer an advance.
- What is a factor rate, and how much does a merchant cash advance cost?
- A factor rate multiplies the amount advanced to determine the total payback. For example, a 1.30 factor on $50,000 means $65,000 in total payback, a $15,000 financing cost before any other charges. A factor rate is not an annual interest rate. Review the provider's full offer for the actual total cost and payment schedule.
- How do I estimate an MCA daily payment?
- The payment depends on the amount advanced, factor rate, payback period, and provider terms. Use the calculator for an estimate, then confirm the exact payment in the offer documents.
- What do I need to apply for a merchant cash advance?
- For Ventr3's inquiry, provide your contact details, requested amount range, intended use of funds, and explicit contact consent. Business details are optional. A funding provider may request bank or payment-processing statements and other documents before making a decision. Requirements vary by provider.
- Can I qualify for an MCA with bad credit?
- Some funding providers consider business revenue and bank deposits alongside credit history. Ventr3 cannot promise approval or a particular credit-score threshold; each provider sets its own eligibility and credit-check requirements.
- How quickly can I receive MCA funding?
- Timing depends on the provider's review, the documents requested, and your business. Ventr3 does not guarantee an approval or funding date.
- What can an MCA be used for?
- Business owners may seek working capital for payroll, inventory, equipment, seasonal cash-flow gaps, marketing, or other business expenses. The provider's offer determines any restrictions.
- Can businesses in any industry submit an inquiry?
- Yes. Ventr3 accepts inquiries from businesses across industries. That does not guarantee a provider match or offer; each funding provider sets its own eligibility and terms.
- Does submitting my information affect my credit?
- Credit-check practices vary by funding provider. Ask the provider whether it will make a soft or hard inquiry before authorizing a credit check.
- Is Ventr3 a lender?
- No. Ventr3 is an MCA broker, not a direct lender. We review inquiries and may route them to a third-party funding provider. That provider decides eligibility and whether to make an offer, and sets its own terms.
Know the payment. Then decide.
An inquiry carries no promise of approval, funding, or particular terms.