iCapital’s Program

A Merchant Cash Advance is a straight forward process, we purchase your future credit card and debit card sales at a discount. Our program creates a simple , hassle free experience allowing you to take advantage of a hidden asset you didn't realize your business has.

We work with you to create a custom program based on your requirements. Through our innovative and automated system an agreed upon small percentage is taken from your daily credit and debit card receipts and applied to your balance, paying it down until it is paid in full.

You do not have to change your credit card processor or your business bank account. There are no cheques to write, no fixed monthly payments and no possible late fees. We don't get paid until you get paid, making the program cash flow friendly.

Our simple underwriting criteria allows us to approve more applications compared to traditional banks. Upon iCapital Financial Services receiving your application and supporting documents the underwriting department will make a decision within 24 hours. Once approved, it's only a matter of days before you receive the funds in your bank account.

Cash Advance Renewals:

At iCapital we know that operating a business requires hard work, dedication and working capital. Over 80% of our customers qualify to renew their business cash advance 2 to 3 times a year.