We are a funding broker. Not a lender.

Who we are

A US-based business funding broker, plainly.

AI Cash Advance is a funding broker, not a lender. We are an independent sales organization, sometimes called an ISO. That means we do not fund deals ourselves and we are not a bank. What we do is sit between you and a network of third-party funding partners and lenders, and work to find the financing that actually fits your business.

We have done this since 2019, and we serve business owners across the United States. Most of the people who reach us are owners of real operating businesses, restaurants, contractors, shops, clinics, trucking and service companies, who need working capital faster than a traditional bank can move, or who want to clean up financing they already have.

What we help with

The financing we broker and refer.

Depending on your revenue, time in business, and what you are trying to do, a specialist may match you with one or more of the following through our partner network. Some of these are loans. One of them, the merchant cash advance, is not.

• Merchant cash advances. A purchase of a portion of your future receivables at a discount. This is not a loan. It has no interest rate or APR; it is priced with a flat factor rate. See how an advance works.
• Business lines of credit. A revolving credit line you draw from as needed. This is a loan and is quoted with an APR. Lines of credit.
• SBA 7(a) loans. Longer-term, lower-cost loans made under the US Small Business Administration 7(a) program. This is a loan, quoted with an APR. SBA 7(a).
• Traditional and reverse consolidation. Restructuring options to combine or relieve existing advances. Consolidation.
• Credit improvement. Support to strengthen your business credit profile so better options open up over time. Credit support.

How the process works

From request to funding, step by step.

No part of this is a black box. Here is exactly what happens after you reach out, and where a credit inquiry can come into play.

1. You submit a funding request

   You share a few basics: your name, business name, contact details, roughly how much revenue your business does, and what you need the money for. It takes about two minutes. There is no credit pull at this stage. Approval is weighed on your business revenue, not just your personal credit.

2. We review and qualify it

   A funding specialist looks at your request to understand your situation, then identifies which products and which funding partners are the best fit. We may follow up to confirm details or ask for recent business bank statements, which is the standard way revenue-based financing is reviewed.

3. We submit you to matched funding partners

   We package your request and refer it to one or more third-party funders in our network who are most likely to approve a business like yours. We are a broker, so the funder, not us, makes the final decision and provides the capital.

4. A funder reviews and may run a hard credit pull

   At the funder's underwriting stage, a partner may run a hard credit inquiry, which can affect your credit score, and may ask for additional documentation. This is separate from the no-credit-pull review you started with us, and we will tell you before it happens so you can decide whether to proceed.

5. You receive an offer

   If approved, the funder presents terms: the amount, the cost, the repayment structure, and the schedule. We walk through the numbers with you in plain language so you understand the real cost before you sign. You are never obligated to accept.

6. Funding

   If you accept and sign with the funder, the funds are disbursed, in some cases in as little as 24 hours. Typical amounts run from $10,000 to $5 million, and a six-months-in-business minimum applies for most options.

Who you talk to

Meet Rob, a funding specialist.

When you call or text the number on this site, you reach a real person on our team. The “Talk to Rob” and “Text Rob” buttons go to a funding specialist, not an automated bot or an offshore call center.

Your information

How we handle your business and personal details.

We ask only for what we need to qualify your request and match you with funding partners. Here is how that information is used.

Contact details and basic business information you provide, such as your name, business name, email, phone, approximate monthly revenue, and what you need funding for. If your request advances, a funding partner may ask for business bank statements or similar documentation as part of its own review.

We use your information to review your request, contact you about it, and refer you to third-party funding partners who may be able to fund a business like yours. Those partners handle your information under their own privacy and underwriting policies. We do not sell your information as a standalone product.

By submitting a request you agree to be contacted about it, including a follow-up call. Any marketing calls or texts require your prior express consent, and you can opt out at any time. Reply STOP to any text message to stop texts, or email [email protected] to be removed. Full details are on our contact page.

Commercial financing is regulated at the state level, and the rules continue to evolve, including commercial financing disclosure requirements in states such as California and new broker registration requirements for sales-based financing in Texas. Where a disclosure or registration applies to a transaction, the relevant party provides it. This page is general information and not legal advice; see our contact page for how to raise a concern.

Last updated: June 2026