Frequently Asked Questions

Monera Capital Group is a direct provider of funding to small- and mid-sized businesses across the U.S. in the form of merchant cash advances.

A merchant cash advance, like those provided by Monera Capital Group, is a lump sum payment advanced to a business in exchange for their future sales receivables. The business repays the amount over time via daily, weekly, or bi-weekly payments made via an automated bank draft in the form of an ACH.

No. A merchant cash advance is a lump sum payment given now to a business in exchange for expected future sales receivables without the hoops needed to jump through for a bank loan. Our Underwriters evaluate and project your monthly cash flows to determine your true business revenue and make an offer based on our expectations.

A merchant cash advance can be approved and funded as early as the same day with just a signed application and 3 months of bank statements whereas a bank loan can take anywhere from a few weeks to a couple months.

Monera Capital Group can fund businesses anywhere from $5,000 up to $15,000,000.

We accept all businesses! We just require that you have been in business for 6 months.

Monera Capital Group can approve your application and place funds into your account in as little as 24 hours, much faster than a traditional bank.

Your entire application can be completed online in minutes, by clicking here! Unlike traditional banks that require mountains of paperwork, we just need this completed application and your last 3 months of bank statements.

Yes! You may still be eligible for a merchant cash advance even if you have poor or low credit because we look into your business’s financial history and projected future revenue, we don’t rely on your personal credit score during our approval process.

No, applying for a merchant cash advance won’t hurt your personal credit score. We use a variety of services to review information that is not reported to the credit bureaus.

Our agreements are typically created for a 6-18 month period, with an average payback period of 8 months.

Yes! We’re happy to renew funding for businesses in good standing. One of our Funding Advisors will reach out to you periodically to check in with you and your business to discuss any renewal options.

Please contact us by clicking here!

Yes, all applications, approvals, and renewals are completed 100% online.

Monera Capital Group is located in Miami, Florida, one of the country’s largest international financial hubs.

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