Loan Options

Business Term Loans

Revenue-Based Financing

Fund range: $25,000 - $1 million
Qualification: Automatically qualify after submitting your application.
FICO Score: 650
Repayment Term: 12-36 months

Revenue-Based Financing

Fund range: $25,000 - $6 million
Qualification: Create your WardMoney account to prequalify.
FICO Score: 600+
Repayment Term: Flexible, based on your revenue.

Commercial Real Estate

Revenue-Based Financing

Commercial Real Estate

Fund range: $2,50,000 - $6 million
Qualification: Submit your application for review.
FICO Score: 650+
Repayment Term: Up to 25 year

Billions in Funding

Get Funded in Five Simple Steps

Commercial Real Estate

Ward Money and Partners have successfully closed

+ $8B

in small business financing since 2003

We Help Businesses Grow

Get Funded in Five Simple Steps

Ward Money and Partners have helped

+ 200,000

small businesses get funded

Get Funded in Five Simple Steps

1. Create Your Ward Money Account
Sign up and provide a few key business details.

2. Get Pre-Qualified
Instantly see your pre-qualified offers tailored for your business.

3. Submit Your Application
Complete a short form about your funding needs.

4.Receive Approval
Once reviewed, we'll let you know your application status.

5. Get Funded
Upon approval, funds are often transferred within 24-hours

Contact Us

Get Started Today

Reach out with any questions or to set up a meeting to discover the best path to your financial freedom!

The Ward Wealth Group

618 East South Street, Orlando, FL, USA

(321)421-WARD (321) 421-9273 info@WardMoney.com

Hours

Open today

09:00 am – 05:00 pm

Frequently Asked Questions

Please reach us at info@WardMoney.com if you cannot find an answer to your question.

Figuring Out if an MCA Is Right for Your Business

As a direct MCA provider, we want you to choose the funding option that’s best for your business, even if you decide to fund with someone else.

This section explains how merchant cash advances work, what they cost, when they make sense, and what risks to consider.

No pressure. Just clear, honest information to help you decide if an MCA or a traditional loan is a better fit for your current situation.

What Is a Merchant Cash Advance?

A merchant cash advance (MCA) provides fast funding for short-term business needs or cash flow gaps.

It’s not a loan. Instead, we give you a lump sum of capital upfront. You repay that amount, plus a fixed fee, called a factor rate, through a percentage of your future credit card sales or total business revenue.

Because repayment is tied to your sales, it lowers our risk. That’s why many business owners qualify for an MCA, even if they’ve been denied a loan due to low credit or lack of collateral.

Common Uses for MCA Funding

You can use a merchant cash advance to cover almost any short-term business need. Many business owners we’ve funded have used their advance to:

Fill cash flow gaps
Restock inventory
Cover payroll or vendor payments
Fund emergency repairs
Manage seasonal shortfalls or renovations

We don’t restrict how you use the capital.

MCA Approval and Eligibility Basics

We work with business owners who need fast funding and may not qualify for traditional financing.

Even if you have low credit, limited time in business, or no collateral, you may still qualify for our MCA.

To be eligible, you’ll need:

At least $8,000 in monthly revenue
6 or more months in business
A FICO score of 500 or higher
3 to 6 months of business bank or merchant statements

We don’t ask for a business plan or physical collateral. Approval is based on your revenue, not your credit score. Other providers may ask for more.

How MCA Repayment Works

We deduct a small percentage from your credit card sales each day. This percentage is called the holdback rate, usually between 10% and 25%. If your sales increase, the advance is repaid faster. If sales drop, it takes longer. The total repayment stays the same.

Repayment Example:

Let’s say your holdback rate is 15%:

If you make $1,000 in card sales, you repay $150
If you make $500, you repay $75

Your repayment moves with your sales.

How We Collect Payments

There are three ways repayment can happen:

Split withholding. We take a percentage of your daily card sales
Lockbox. Payments go through a third-party account, and you receive the remainder
ACH withdrawals. We pull a fixed amount from your bank account

We’ll set this up by connecting to your card processor or bank. You’ll authorize this during funding. Payments will be collected automatically, so no manual action is needed.

Important.

Repayment usually starts the day after you receive your funds. Make sure you’re ready for daily deductions so your cash flow isn’t disrupted.

Alternatives to Merchant Cash Advances

If you qualify, there are lower-cost options to consider:

Business line of credit. Flexible access, pay interest only on what you use
SBA loan. Government-backed with low rates and long terms
Invoice factoring. Get fast cash by selling unpaid invoices
Equipment financing. Spread out the cost of major purchases
Online term loan. Fixed payments and predictable terms

When an MCA Makes Financial Sense

An MCA may be a good fit for your business funding needs if:

You need working capital quickly
You have steady credit card sales
You’re covering a short-term need with a clear return
You don’t qualify for lower-cost funding options

Many business owners use MCAs successfully to stay operational or act on new opportunities.

Others struggle, especially after stacking or renewing advances too often.

Make sure your business can handle daily deductions. Have a clear plan to repay.

Use the advance strategically while working toward lower-cost funding in the future.

We recommend MCA funding when speed matters, you can’t qualify elsewhere, and you’re willing to pay more for flexible, fast capital.

Business Funding in 4-Hours

Business Funding in 4-Hours

Loan Options

Business Term Loans

Revenue-Based Financing

Revenue-Based Financing

Revenue-Based Financing

Revenue-Based Financing

Revenue-Based Financing

Commercial Real Estate

Revenue-Based Financing

Commercial Real Estate

Billions in Funding

Get Funded in Five Simple Steps

Commercial Real Estate

We Help Businesses Grow

Get Funded in Five Simple Steps

Get Funded in Five Simple Steps

Get Funded in Five Simple Steps

Get Funded in Five Simple Steps

Get Funded in Five Simple Steps

Get Funded Fast

We Can Help

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