(818)-784-2929

22935 Ventura Blvd. Los Angeles, CA

Crestico Funding
  1. Home
  2. Commercial Mortgages
  3. Business Financing Solutions
  4. Merchant Cash Advance

MERCHANT CASH ADVANCE

Flexible Loans for Small Business Owners – One of the most accessible funding solutions on the market, designed with a simple pay-back structure and fast approvals, with funds deposited directly into your account within hours.
Talk to us today!

Put a Merchant Cash Advance to work—fast, flexible funding tied to your sales.

To qualify for a Hard Money loan, the most important factor is having sufficient equity. For a purchase, this usually means a down payment of 25% to 40%. For a cash-out refinance, you’ll need to show significant equity in the property.

The stronger your equity position or down payment, the greater your chances of approval. Lenders will also review your credit profile and cash reserves to ensure you can make timely payments and cover additional costs such as property taxes and insurance.

Another key consideration is your experience as a real estate investor. First-time borrowers may undergo closer review compared to seasoned investors with a proven track record in similar transactions.

Any Business Owner

Small business owners who need fast capital can apply for a Merchant Cash Advance with GoKapital. Once approved, funds are deposited directly into their account within just 3 days. With a simple application process and quick turnaround, GoKapital provides an easy solution for businesses seeking immediate financial support.

How We Help You

Convert your future credit or debit card sales into immediate working capital with a Merchant Cash Advance. Apply today and receive a lump sum of cash in exchange for a portion of your upcoming card sales, giving your business quick access to the funds it needs to grow.

Cash Advances

Merchant Cash Advances are fast, easy to obtain, and completely unsecured—meaning you won’t need to pledge any personal or business assets. With quick approvals and flexible repayment through a percentage of future sales, this financing option provides a hassle-free way to access working capital when your business needs it most.

Specialized Commercial Loans | Hard Money & Portfolio Options?

Click here to start today!

Steps to Apply for an MCA with Crestico

Crestico offers several financing options that can be well-suited for franchise businesses, including:

Apply Online

To apply, simply complete the loan application form with basic details such as your name, Social Security number, business tax identification number, and business location, along with other essential information. You can conveniently apply online or download the PDF version, fill it out, and follow the provided instructions to submit your application.

Submit the Documents

As part of the application, provide at least six months of business bank statements. These documents help assess your company’s financial health and verify your identity. You will also need to submit a valid government-issued ID along with a statement of your business’s credit card transactions to complete the evaluation process.

Approval Process

After submitting the loan request form and required documentation, a Crestico loan specialist will review your application and notify you of the approval terms. Once you accept, we’ll provide the contract for your signature, and funds will be deposited shortly after. Getting approved for a Merchant Cash Advance with Crestico is fast and simple.

How a Merchant Cash Advance Works

As a business owner, you understand the importance of having access to funds when unexpected needs arise. Whether it’s urgent repairs, purchasing new equipment, or seizing opportunities to boost revenue, having capital on hand is essential. If you already have the money, great—but what happens if you don’t?

Traditionally, the first option would be to seek a loan from a bank. Unfortunately, banks are rejecting small business loan applications at record levels, leaving many entrepreneurs feeling stuck and without alternatives.

Securing financing for your business shouldn’t be difficult, especially when facing challenges that may impact operations or growth.

That’s where alternative lending providers like Crestico step in, offering tailored funding solutions designed to give business owners quick access to the capital they need to keep moving forward.

Turn Ambition into Expansion with Strategic Financing from Crestico

Connect With a Commercial Loan Expert
David F. N.
In real estate, execution is everything. Having closed numerous transactions, I know firsthand that the right capital partner can make or break a deal. Working with Houtan and the CRESTICO team on our latest LA property reinforced what top-tier lending execution looks like. From initial loan structuring to the final wire at closing, Houtan and his team ran a seamless operation. They managed the complexity behind the scenes, maintained complete transparency, and kept the timeline tight without missing a beat. Buying property in Los Angeles can easily turn into a high-friction process, but their team provided the exact clarity, speed, and diligence required to navigate it smoothly. On a personal level, having known Houtan for years as a friend made the experience even more rewarding. It’s rare to find a team that seamlessly combines deep industry expertise with genuine personal integrity. They treated this transaction with the same care and focus as if it were their own. Whether you’re securing debt for your next investment(s) or purchasing a primary residence, I can’t recommend Houtan and the CRESTICO team highly enough. They are sharp, reliable, and exceptionally dedicated. I look forward to working with them again on future transactions.
Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
Cristy M.
Jason M.
Dane R.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Sean L.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
Call Us
Email