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Last Updated: 06/21/2025

BriteCap Merchant Cash Advances

in Business Loans from BriteCap Financial LLC

Last Updated: 06/21/2025

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Highlights

Amount Range

Up to $300,000

APR (Factor Based)

N/A(Verified 06/20/2025)

Loan Term (Months)

3 - 24
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BriteCap Merchant Cash Advances Review

BriteCap is a business financing offering by BriteCap Financial LLC, based in Las Vegas, NV. Founded in 2003, BriteCap Financial LLC offers access to small business loans in 45 states (and Washington, DC).

BriteCap FAQ

What are BriteCap rates?

BriteCap offers a business financing product but they do not disclose their rates.

Does BriteCap charge an origination fee?

No, BriteCap does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does BriteCap charge a late fee?

Yes, BriteCap charges borrowers with a late payment fee of up to $15 .

Does BriteCap charge prepayment fees?

No, BriteCap does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

What is the maximum business loan term you can get with BriteCap?

BriteCap offers small business loans with terms ranging from 3 to 24 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for BriteCap Merchant Cash Advances?

BriteCap Merchant Cash Advances requires companies to be in business for at least 12 months. Businesses must have a minimum annual revenue of $100,000 to be considered.
BriteCap Merchant Cash Advances does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by BriteCap Merchant Cash Advances.
To qualify, applicants may need to provide the following documentation:
  • Bank account information
  • Driver's license or other government photo ID

What is the estimated funding time for a business loan via BriteCap?

BriteCap can fund small business loans as soon as 1 business day.

Does BriteCap Merchant Cash Advances report your account activity to credit bureaus?

Yes, BriteCap Merchant Cash Advances reports to the following credit bureau:
  • Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does BriteCap Financial LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
BriteCap allows you to check your rates with a soft credit pull.

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Message from BriteCap

BriteCap is designed for established business owners with above average credit. We pride ourselves on providing strong offers at industry leading rates.

Our innovative platform features a streamlined application process, an intuitive online offer configurator, and expert Funding Consultants available to help you make informed decisions. At BriteCap, we’re not just about funding; we’re about fostering growth and success for your business.

Contact

Headquarters

330 S Rampart Blvd
Las Vegas, NV 89145
Visit Site
Email Support

Hours of Operation

Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day

Other Services by BriteCap Financial LLC