Business Cash Advances

Propel Your Business with Quick and Flexible Cash Advances

Swift, simple, and tailored cash solutions to fuel your entrepreneurial dreams

Minimum Credit Score

Maximum Debt To Income

Maximum Loan To Value


Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage is here to provide comprehensive support to business owners who may find themselves in situations where a business cash advance is the only viable option. We understand the business cash advance industry can seem overwhelming, and it’s known for high costs and less-than-transparent practices. However, our dedication to serving your needs means we’ll work tirelessly to find alternatives that may better suit your financial situation.

How Innovative Mortgage Can Help with Business Cash Advances:

  • Exploring Alternatives: Our primary goal is to explore all other potential financing options before considering a cash advance, ensuring that if we proceed with one, it’s because it’s truly the best choice available.
  • Intense Advocacy: We share your concerns about the industry, and this fuels our commitment to fight vigorously for every bit of savings possible.
  • Broker’s Leverage: As a broker, Innovative Mortgage has the flexibility to shop around for the most competitive terms across a broad network of lenders.
  • Document Preparation: Typically, the process for a business cash advance requires six months of bank statements and six months of merchant processing statements. These documents are critical in evaluating your business’s cash flow and the advance terms you may qualify for.

Steps to Prepare for a Business Cash Advance with Innovative Mortgage:

  1. Collect Bank Statements: You’ll need to provide the last six months of bank statements. These can usually be downloaded directly from your online banking platform.
  2. Obtain Merchant Processing Statements: Similarly, gather the last six months of merchant processing statements, which can be acquired by contacting your merchant processor directly.
  3. Consultation: Reach out to Innovative Mortgage so we can review your documents and understand your unique situation, providing personalized advice and guidance.
  4. Evaluation: We’ll evaluate your financial documents to determine the feasibility of a cash advance or uncover potential alternatives.

Get Started with Innovative Mortgage:

Our team is ready to assist you with your business financing needs, even when the path seems uncertain. Though merchant cash advances are not our preferred product due to their cost, in situations where they might be necessary, we promise to navigate you through the process with your best interests in mind, minimizing costs wherever possible.

Contact Innovative Mortgage today if you’re considering a business cash advance. Let’s discuss your options and find the financial solutions that align with your goals, ensuring you retain as much capital as possible to grow and sustain your business.

Advantages of Business Cash Advances


High Approval Rates

Businesses with poor credit or limited history are still often approved

Fast Funding

Get funds in as little as 24 hours

No Collateral

Most cash advances don’t require physical assets as security

Considerations for Business Cash Advances


Higher Cost

Interest rates and fees are often higher than traditional loans

Impacts Cash Flow

Daily deductions from sales can impact overall cash flow

Key Issues That Will Get Early Attention

Evaluate Your Need
We'll help you determine if a cash advance is the best fit for your situation
Understand Your Repayment
We'll ensure you fully comprehend the repayment terms and daily deduction amounts
Manage Your Cash Flow
We can assist in planning for the daily deductions from your revenue
Plan for the Future
We'll assist you in strategizing to improve your credit and access more affordable financing in the future

We're Simply Better and Not Just on Price...


We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.


Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.


Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans
Local Bank Branch
Big Name Online Lenders
Shops Hundreds of Lenders
Scans Thousands of Programs To Find You The Best Available
Is Loyal to Borrowers and Not Lenders
Has Multiple No Tax Return Mortgage Options
Can Show You Conventional and Non QM Options
Multiple 100% Financing Options for First Time Home Buyers
Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

Here's what you get when you apply with Lightning Loans by Innovative Mortgage

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders. 

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it. 

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes. 

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary 

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions


Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.


Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.