Working Capital Solutions
Capital That Moves as Fast as Your Business
Stonegate Advance provides revenue-based financing for small and mid-sized businesses that need fast access to working capital without the wait.
Get Funded Today
What we offer
Built Around Your Revenue, Not Your Credit File
At Stonegate Advance, we purchase a portion of your future receivables and put working capital in your hands the same day. Repayment comes as a percentage of your daily revenue, so there are no fixed due dates staring you down every month.
Banks look at your past. We look at what your business is doing right now. If you are generating consistent revenue, that is what matters to us. Most of our merchants have a decision within one hour and funding in their account the same day.
Why merchants choose us
Built for Businesses That Cannot Wait
Same Day Funding
Decisions in as little as one hour. Funds deposited directly into your business account the same day on approved files.
Revenue First Underwriting
We evaluate your business based on monthly revenue and cash flow. A 580 minimum credit score is all that is required.
Flexible Repayment
Repayment is structured as a fixed percentage of your daily revenue. When business is slower, your remittance reflects that.
Minimal Documentation
Three months of bank statements, a signed application, and a valid ID. That is all we need to get started.
No Bank Hoops
No collateral requirements, no hard credit pulls, and no weeks of waiting. We move at the speed your business needs.
2nd Through 7th Position Funded
We go where other funders do not. Qualifying merchants can access capital from 2nd through 7th position.
Basic Qualification Requirements
Time in BusinessMinimum 1 year in operation
Monthly RevenueMinimum $75,000 average monthly revenue
Credit ScoreMinimum 580 credit score required
Bank Statements3 months current (4 for California)
Common use cases
How Merchants Use Their Capital
Inventory and Supplies
Stock up before a busy season or take advantage of bulk pricing opportunities without draining your operating account.
Payroll and Staffing
Keep your team in place during slower months or bring on additional staff to meet growing demand.
Equipment and Upgrades
Invest in the equipment your business needs to operate more efficiently and serve more customers.
Expansion and Growth
Open a new location, launch a marketing push, or pursue a time sensitive opportunity without waiting on a bank.
Cash Flow Management
Bridge the gap between receivables and expenses so your business keeps moving without interruption.
Emergency Expenses
Equipment breaks down, pipes burst, unexpected costs happen. Have the capital to handle it without missing a beat.
Ready to get your business funded?
Submit a quick inquiry and our team will put together a tailored proposal within 24 hours. No obligation, no hard pull.
