Stax Capital
Stax Capital

Funded today.

Merchant cash advances for small business. Apply in minutes, get an offer the same day, and have the money in your account before the day is out.

Get your offer
$10K–$2MAdvance amounts
Same dayApproval and funding
No collateralNothing pledged

Money against the sales
you’ve already got coming.

Not a loan

We purchase a set amount of your future receivables at a discount. No collateral, no use-of-funds restrictions.

Credit isn’t the gate

Your deposits carry the file. Owners in the 500s get funded here every week.

Real numbers up front

You’ll know the total payback in dollars, the payment and the term before you sign anything.

Qualifying

Three things

  • 6+ monthsin business
  • $15K+average monthly deposits
  • 4 monthsof business bank statements, complete

See how it works

Apply

We’ll get back
to you in under
an hour.

No cost, no obligation, and asking won’t affect your personal credit.

By submitting you agree to be contacted about business funding. Business purposes only.

How it works

Apply this morning.
Funded this afternoon.

Three steps, one business day. Here is exactly what happens and what we need from you at each one.

01

You apply

A short form with your business details and your last four months of business bank statements. Complete months, every page — partial statements are the single biggest cause of delays. Most owners finish in under five minutes on their phone.

About 5 minutes

02

We shop your file

We read your statements the way an underwriter will — deposit volume, daily balances, negative days, anything you already have out — then send your file to the funding sources most likely to approve it at the best price. Then we call you and walk through what came back: the advance amount, the total payback in dollars, the payment and the term.

Same day, often within the hour

03

You get funded

Pick the offer that fits, sign the agreement electronically, and the funds are wired to your business account. Payments come out automatically on the schedule in your agreement, and once you are roughly halfway paid down you can renew for more.

Same day to 48 hours

Documents

What to have ready

  • Four months of business bank statements — complete months, every page
  • Driver’s license for each owner with 20% or more
  • A voided business check
  • Your EIN and entity paperwork
  • Balances on any advances or loans you already have

Pricing

How the cost works

An advance is priced as a factor rate, not an interest rate. A 1.30 factor on a $50,000 advance means $65,000 paid back — the cost is fixed at signing and does not grow over time.

Your rate depends on how long you have been open, how steady your deposits are, and how many advances you already carry. We will always quote you the total payback in dollars, not just the factor, so you can compare it against anything else on your desk.

Fast money costs more than slow money. That is the trade. If your business can wait for a bank or an SBA loan, that is cheaper capital and we will tell you so.

Ready to see a number?

Five minutes to apply. We’ll come back to you in under an hour.

Start an application

About

We work for the
business owner.

Stax Capital is a business funding brokerage serving small businesses nationwide. We help owners get working capital quickly — and we tell them the truth about what it costs.

Most business funding is sold by people paid to close the biggest deal you will sign, not the right one. The offer gets pushed, the real cost gets buried, and once the money lands you are a ticket number.

We built Stax Capital the other way. One person handles your file start to finish — the same person who reads your statements, walks you through the offers and picks up the phone when your renewal comes up next year.

We work with businesses in all 50 states, and we move at the speed the product demands: apply in the morning, funded the same afternoon.

How we work

Three commitments

You never pay us

We are a broker. The funding source pays us when your deal closes. There is no application fee, no consulting fee and nothing due up front — ever. Anyone asking a small business for money before funding is a warning sign.

We shop, we don’t push

We are not one company’s sales desk. Your file goes to the funding sources that actually fit it, and you see what comes back side by side.

We’ll talk you out of it

Stacking another advance on top of three you already carry is how good businesses go under. If the payments won’t fit your deposits, we will say so — even when the commission would be good.

Who we fund

Main street businesses

Restaurants and bars. Contractors and trades. Auto and repair shops. Retail, salons, medical and dental practices, staffing firms, wholesalers, e-commerce sellers. If money comes in steadily and you need more of it sooner than your customers pay, there is probably something here for you.

Let’s talk about your business.

Five minutes to apply. We’ll come back to you in under an hour.

Start an application

Partnerships

Build your book
with us.

Two ways to work with Stax Capital: sell for us as an agent, or send us deals as an independent broker. Both are built to pay fast and get out of your way.

Sales agents

Commission only, with a real desk behind you. You close, we handle underwriting, submissions and funding.

  • Leads and dialer provided
  • Higher split on deals you source yourself
  • Commissions paid weekly, not monthly
  • Renewals stay yours
  • No MCA experience required — we train you on the paper

ISO & broker partners

Already writing deals? Submit through us and keep control of your merchant.

  • Competitive points, disclosed on every approval
  • Written no-backdoor policy — the merchant stays yours
  • Same-day decisions, 1st through 5th position
  • You get paid on the renewal, not just the first deal
  • A person who answers the phone, not a submissions inbox

How we operate

What you can expect

  • Same dayapprovals on complete files
  • Weeklycommission payouts
  • In writingsplits, clawback terms and renewal rights — before you send a deal

Get in touch

Tell us which
side you’re on.

We’ll come back to you the same day with splits, terms and what onboarding looks like.

We’ll never share your information or contact your merchants.