Company overview
HQ · New York, NY
Merchant Cash Advance (MCA) / Credit Card Split FundingRevenue Based FundingBank Only / ACH ProgramLine of Credit FinancingBad Credit Business Funding
In Advance Capital is a New York-based direct fintech lender founded in 2015, specializing in providing rapid working capital to small and medium-sized businesses across the United States. Its primary financial products are Merchant Cash Advances (MCAs) and Revenue-Based Funding, positioning itself as a fast alternative to traditional loans with pre-approvals in as little as three hours and funding within 24 hours. The company operates in the higher-risk segment of the alternative lending market, catering to businesses with low credit scores (minimum FICO 550) and existing debt, and differentiates itself through a robust, broker-friendly partnership program.
Company focus
- Legal name
- IAC Global Holdings, LLC
- Also known as
- In Advance Capital, Crestview Financial, LLC
- Headquarters
- New York, NY
- Founded
- 2015
- Employees
- 51-200
- Geography
- Nationwide (all U.S. states and Washington, D.C.)
- Industries
- Franchise, Hospitality, Restaurant, Wholesaler, Contractor, Transportation, Construction, Legal, Medical Care, Real Estate
- Excluded industries
- Gambling (inferred from industry standards), Adult Entertainment (inferred from industry standards), Financial Services (e.g., lenders, check-cashing) (inferred from industry standards), Firearms (inferred from industry standards), Cannabis-related businesses (inferred from industry standards), Non-profits (inferred from industry standards)
- Specialties
- Aggressive Stacking and Position Tolerance: In Advance Capital explicitly states its willingness to fund deals in 1st, 2nd, and even 3rd positions. This is a significant differentiator, as most alternative lenders are highly reluctant to fund beyond a 1st or 2nd position due to the dramatically increased risk of default. This specialty makes them a crucial, though likely high-cost, funding source for businesses that are already carrying multiple cash advances., High-Risk Appetite and Bad Credit Acceptance: The company has a high tolerance for poor credit, explicitly marketing "Bad Credit Business Funding" and accepting a minimum FICO score of 550. This positions them to serve a segment of the small business market that is often declined by traditional banks and more conservative alternative lenders., Rapid Funding and Approval: A core part of their value proposition is exceptional speed. The company consistently advertises pre-approval in under 3 hours and funding in as little as 24 hours, with some claims of same-day funding. This velocity is a powerful competitive advantage for businesses with urgent cash flow needs., Broker-Centric Ecosystem with Syndication: In Advance Capital heavily caters to Independent Sales Organizations (ISOs) and brokers. They offer a comprehensive partner program that includes a White Label ISO Funding Platform, a dedicated Syndication Platform for partners to co-invest in deals, portal access, and high commissions of up to 12% with volume-based bonuses. This makes them a preferred partner for brokers who have clients with higher-risk profiles., Diverse Product Suite: Beyond a standard Merchant Cash Advance (MCA), the company offers a Bank-Only ACH Program for businesses that do not process credit cards, as well as a Line of Credit (LOC) financing option. This product diversity broadens their market appeal to a wider range of small and medium-sized businesses beyond traditional retail., Renewal and Consolidation Programs: The company advertises "Early Renewal Eligibility" and "Consolidation Programs" as key benefits for partners and their clients. This suggests a focus on building long-term relationships and providing ongoing funding solutions for their merchant base.
Reported eligibility
- Minimum credit score
- 550
- Monthly revenue from
- $10,000
- Time in business (months)
- 6
- Accepts stacked positions
- Yes
- Maximum positions
- 3
Funding & terms
- Funding from
- $5,000
- Funding up to
- $2,000,000
Business research
- Geographic coverage
- Nationwide (all U.S. states and Washington, D.C.)
Product details
- Merchant Cash Advance (MCA) / Credit Card Split Funding
- A financial product where the company purchases a portion of a business's future credit card sales. Repayment is structured as a percentage of daily or weekly credit card sales, remitted directly through the merchant processor.
- Revenue Based Funding
- A core funding product offered by the company, structured as an advance against future business revenues.
- Bank Only / ACH Program
- A type of cash advance provided as a lump sum based on a review of the business's bank deposits. Repayment is made through predetermined daily or weekly ACH installments, suitable for businesses that do not have a merchant processor.
- Line of Credit Financing
- A revolving line of credit that provides businesses with quick access to working capital as needed, with funding decisions made within hours.
- Bad Credit Business Funding
- A product variant or marketing angle aimed at higher-risk applicants with low credit scores, leveraging the company's stated minimum FICO of 550.
Third-party reputation
- Reported research
- The company has a very limited public review footprint. On Trustpilot, it has a 3.8 out of 5 TrustScore based on only two positive reviews from November 2017, which praise its speed and professionalism. On Trustburn, it has a 4.1-star rating from 13 reviews, mostly from 2-3 years ago, with comments mentioning a straightforward process and quick response. No authoritative Google Maps business profile with customer reviews was located. The overall sentiment from the available reviews is positive, but the low volume and age of the feedback limit its statistical significance.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.