Apply free for a merchant cash advance
A person reads your answers, and you hear from us by email.
Your application
- Start hereAmount and contact
- BusinessThe basics funders look at
- FundingFunding and current advances
- ReviewCheck and send
We restored the answers saved on this device.
- 1Contact
- 2Business
- 3Funding
- 4Send
- 5Statements
- 6Secure details
Statements and secure details come after you send.
Step 1 of 4 Get started
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Thanks, we have your application.
Your reference is . You’ll hear from info@afterfirstmca.com by email. A person calls only if you ticked “I'd like a call,” during business hours, Monday to Friday, 5 AM to 7 PM Pacific. Offers come from each funder, and you choose one or none.
Track it any time in your applicant portal. Sign in with the email you used here.
Add your last 4 months of bank statements (optional)
PDFs or clear photos (JPG, PNG, HEIC), up to 10 MB each. The last four months of business bank statements help us review your file sooner. You can skip this and we'll ask by email.
Last 4 months 0 of 4 received
Step 2: Complete your file (about 4 minutes)
Funders ask every owner for the same underwriting details. Add them once here and we package your file for each funder we send it to, so nobody asks you twice. Funders need these details before they can make you an offer.
We have your details from an earlier visit. Sending this again replaces them.
Your details travel over an encrypted connection and are stored encrypted. They are seen only by our team and the funders reviewing your file, under the authorization you give below. We may email them to our team and, with your authorization, to those funders. Nothing here is saved on this device, and afterward you only see them masked, like •••-••-1234.
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Your file is complete. We'll package it for each funder we match you with, so nobody needs to ask you for these again.
You can update these details from your applicant portal until you're funded.
Your application is saved. Finish this step any time from your applicant portal. Funders need it before they can make you an offer.
Afterfirst MCA in five answers
- What it is
- Afterfirst MCA is a broker, not a funder. A merchant cash advance is a purchase of your future sales, not a loan.
- Who it's for
- Business owners with steady deposits in a business bank account who want working capital.
- What changes for you
- One application. We shop it to the funders whose programs fit your file, and you see offers side by side. We're a broker and we say so.
- Why believe us
- Afterfirst MCA charges owners no fee. Funders pay us a commission when a deal funds, and funding companies pay us a monthly membership. Applying does not start a credit review. A funder can review credit only with your written authorization, and more than one funder can mean more than one inquiry.
- Next step
- Send the application or call 877-FUND-654. Funders make every approval decision, and you choose an offer or walk away.
Before you share statements
- Do I pay Afterfirst anything?
- No. Applying costs you nothing, and Afterfirst MCA charges you no fee. Funding companies pay us a monthly membership (plans run from $249 to $1,299 a month), and the funder pays us a commission when a deal funds. Membership level does not change the order or the terms of the offers shown to you. Every offer is shown side by side.
- Will applying affect my credit?
- When you apply. A funder may review credit only after you sign the credit authorization in Complete your file. A soft inquiry does not change your score. A hard inquiry can. Which type a funder uses can differ, so ask each funder before you sign. If your file goes to more than one funder, more than one inquiry is possible. While you pay. Some funders report payment history to business or consumer credit bureaus and some do not. Ask each funder before you sign. If you miss payments or a judgment is entered. A default, a collection or a court judgment can appear on a credit report. Ask an attorney how this applies to your agreement.
- What is a personal guarantee?
- A promise by the owner to be personally responsible if the business breaks certain terms of the funding agreement. Many agreements include one. Read how yours defines it before you sign.
- What is a UCC filing?
- A public notice a funder files with the state. It says the funder has an interest in some of the business's assets or future receivables. Other funders can see it when they check.
- What is a confession of judgment?
- A clause in which the business agrees in advance that the funder may get a court judgment without a lawsuit if the business defaults. Not every agreement has one. Look for it before you sign.
General information, not legal advice. Read your agreement, and ask a lawyer if a term is unclear.