Montium Advance funds businesses on their cash flow, not just their credit score. Apply in minutes, get a decision same day, and have capital in your account the same day.
Traditional banks look backward — at your credit history, your collateral, your paperwork. We look at how your business actually performs today, and we structure funding around it. Montium Advance is made up of a team with years of experience in alternative business financing, with a wide network of funding partners so we can structure deals other lenders pass on.
Approvals are based on your business's real, current revenue — not just a credit score.
Every offer is built around your specific industry, seasonality, and repayment capacity.
No hidden fees, no fine print surprises. You'll know your exact terms before you sign anything.
We work with you through the life of your advance — not just at closing.
Six programs covering inventory, equipment, franchises, and everyday cash flow needs.
Working capital for any business expense, repaid flexibly against future sales rather than a fixed monthly bill.
Get StartedA lump sum with a fixed repayment schedule — ideal for a defined investment like a buildout or major purchase.
Get StartedBorrow against equipment, receivables, or inventory you already own without selling it off.
Get StartedStock up ahead of demand with repayment timed to your sell-through.
Get StartedWe specialize in funding franchisees quickly, without requiring collateral or a business plan.
Get StartedGeneral working capital for day-to-day operations and growth, without rigid bank terms.
Get StartedTell us about your business and share a few recent bank statements. Takes about five minutes, and it won't affect your credit.
Our team reviews your cash flow and puts together terms built around your business, usually within hours.
Sign electronically and funds are typically deposited into your business account the same day.
We give businesses the opportunity to succeed through a combination of capital and expertise. Partner with Montium Advance to secure working capital for the businesses you work with — with transparent commissions and fast turnaround.
Transparent payout structure with fast commission turnaround on funded deals.
Most files get a decision within hours, not days.
A direct line to our underwriting team — no call centers, no runaround.
Six programs mean more of your files get approved.
Open the official Montium Advance ISO Agreement below. It has fillable fields built in, so most browsers let you complete it right on screen before printing, signing, and sending it back — or just download it and fill it out in Acrobat.
Tell us a little about your business and we'll follow up with a funding estimate, usually the same day.