01About
What we are, and how we are paid.
Atlas Business Capital is a merchant cash advance brokerage. This page sets out what that means, where the money actually comes from, how we are paid, and what we will and will not do with what you send us.
02What we are
A brokerage. Not the source of the money.
We place funding files with third-party funding companies: merchant cash advances mainly, and three other instruments where an advance is the wrong shape. We do not make the credit decision and we do not set the rate.
A funding company buys a fixed portion of your future receivables. It reviews your deposits, decides whether to fund, and its capital is what reaches your account. Our work sits either side of that: knowing which funders fit which files, presenting yours accurately, and translating the offer that comes back into plain dollars. If the structure is new to you, start with what a merchant cash advance is.
Because the decision is not ours, we cannot promise you an approval, an amount, a factor rate or a funding date. Same-day funding is available on qualified files, and whether a file qualifies is determined by the funder reading your statements, not by us.
What we are not
- Not a lender and not a bank
- Not a funding company (we hold none of the capital)
- Not the party that approves or declines your file
- Not the party that prices it
What we are
An experienced broker, placing directly with lenders who have funded over $700 million to US small businesses.
- Files go to a funding source, not down a chain of brokers each taking a turn
- Fewer hands between your application and the decision, which is most of why it moves quickly
- More than one funding relationship, so a decline in one place is not the end of the file
- We are paid by the funder on completion, which is disclosed rather than buried
03How we are paid
A commission, paid by the funder.
When a transaction completes, the funding company pays us a commission. There is no separate invoice from us to you.
That arrangement is standard across this industry. It is also worth saying out loud what it means: our income depends on transactions closing. An incentive you can see is easier to weigh than one you have to guess at.
It is the reason this site publishes the full repayment arithmetic rather than a factor rate on its own, the reason the origination fee of 2% to 10% is stated wherever cost is discussed, and the reason there is a page whose entire purpose is to talk some readers out of proceeding. Read that page before you read anything else here.
Disclosed on request
The specific commission arrangement on your transaction (who pays us and how much) is disclosed on request, before you sign anything. Ask early rather than late.
Full disclosuresAsk what we are paid on your file. We will tell you.
04How we work
Five commitments you can check.
Not values. Behaviour, and most of it is verifiable on this website.
Asked for by the calculator
To give you an indication
- 01
You can work out the cost before handing anything over
The calculator runs in your browser. It asks nothing about you, collects nothing and sends us nothing, and every range it allows is published on this site. A Social Security number, bank statements and photo ID belong to the application, which is the point at which a file is actually being put together.
- 02
No credit pull for an indication
Telling you what a file like yours tends to attract costs you nothing and touches nothing. We never pull your credit. A funder runs it at underwriting, with your knowledge, after you have signed the application.
- 03
Total cost, not just a factor rate
Every figure we put in front of you includes the total dollars repaid, the origination fee of 2% to 10% deducted at funding, and the weekly ACH payment. A factor rate on its own is not a price.
- 04
We say so when it is the wrong tool
If a bank loan or a line of credit is open to you, take it. It will cost materially less. If the weekly debit does not fit your real cash flow, we will say that as well, and the file stops there.
- 05
Your details are not sold
What you send is never sold, and it is never passed to other brokers, lead buyers or marketing lists. It goes to the funders you authorize us to approach, and to the service providers named in our privacy policy that run this site and carry your application to us.
05Documents
The paperwork behind the pitch.
Three pages worth reading before you send anything. None of them are long.
Disclosures
How we are compensated, what an advance is and is not, and the limits of everything stated on this site.
Privacy policy
What we collect, where it goes, how long it is kept, and how to have it deleted.
Do not contact
Ask us to stop calling, emailing or texting. Reply STOP to a text, email us, or call: no explanation required.
Ask us the awkward questions first.
What it would cost in total, what we earn on it, and whether an advance is the right instrument for what you are trying to do. Call and ask, or run the calculator: it collects nothing, and there is no credit pull to get an indication.
Get fundedSpeak to a person
(305) 791-3797funding@atlasbusiness.capitalMon–Fri, 9am–6pm ET · We answer in under 4 business hours.