01What we arrange
Four instruments. One application.
By the lenders we place with
A merchant cash advance is the main thing we place and the only one whose price is published here. Three others exist for the files an advance is the wrong shape for, and which one fits comes out of your bank statements rather than out of a box you tick.
02The four
What each one is actually for.
They are not four names for the same product. Each is a different shape of repayment, and the shape is what decides whether it helps.
01
Rates published
Merchant cash advance
The purchase of a portion of your future receivables, at a discount, repaid from the revenue as it arrives.
Factor 1.20–1.50, origination 2–10%, 5–18 months.
How it works02
Quoted per file
Revenue-based financing
Funding repaid as an agreed percentage of revenue, so the payment moves with the business rather than against it.
How it works03
Quoted per file
Bridge financing
Short-term funding sized against a specific, evidenced event that will repay it.
How it works04
Quoted per file
Asset-backed capital
Funding secured against something the business owns, so the asset rather than the cash flow sets the size.
How it works03Price
One of these has a published range. Three do not.
That difference is deliberate and it is worth explaining, because a page that goes quiet where the numbers should be usually means something less honest than this does.
Published in full
Merchant cash advance
Factor 1.20–1.50, origination 2–10%, 5–18 months. Amounts from $15,000 to $20,000,000, with a calculator that shows the total to repay before you speak to anyone.
Quoted per file
Revenue-based financing, Bridge financing, Asset-backed capital are priced against the particulars of the file: how uneven the revenue is, how certain the exit is, what asset is being pledged. A range wide enough to be honest across all of that would be too wide to tell you anything, so we quote them individually rather than print a number we would have to take back.
Each page says the same thing in its own words, and says it where the price would otherwise be.
04How we place
Direct to the funding source.
Atlas is a broker: we do not lend our own money, and we have never said otherwise. What we do have is direct relationships with the businesses that do.
- 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
Combined funding volume reported by the direct lenders Atlas places with, not funding originated by Atlas. Figures are as reported by those lenders and their published reviews.
You do not have to pick one first.
The application asks the same questions whichever instrument ends up fitting. Fill it in once, and which of the four suits your file is worked out from your statements rather than guessed at from a dropdown.