Capital for the Work Ahead
Money owed to you does not always show up when the bills do. Payroll, a big order, a truck that broke down at the worst possible time. We're a direct funder built for exactly that gap, and we'd love to help you close it.
- Advances up to
- $5M
- Terms out to
- 52 wk
- Funder, not a broker
- Direct
- Funding since
- 2017
How It Works
From your application to the money landing, here is exactly what happens.
Apply Online
The application takes a few minutes. Have your business details, your average monthly revenue, a photo ID and your recent bank statements handy and you can finish it in one sitting.
We Take a Look
We start with what your business actually brings in, so your bank statements count for more here than a credit score does. Your details stay with us and are not sent out to anybody else.
You Get an Offer
You will see the amount, what it costs you in dollars, and what comes out and how often, all together and all in writing. If it is not a yes, we will tell you that too.
Ask Us Anything
Take your time with the numbers. Ask about the amount, the term, the schedule, paying off early, anything you want to understand before you sign.
Get Funded
Once you have signed and everything checks out, the money goes into your business bank account.
Paying It Back
An agreed amount comes out on an agreed schedule until the advance is complete. If business picks up faster than you expected, ask us about paying it off early.
What We Need
You probably have most of this within reach right now.
Your Business Details
The legal name, what you do, what state you are in, and roughly how long you have been open.
Average Monthly Revenue
What the business brings in during a normal month. A close estimate is fine at this stage.
A Photo ID
A driver license or passport for the owner. A clear photo taken on your phone works.
Recent Bank Statements
The last few months for your business account. Upload the PDFs your bank already gives you, or photos of them.
That is the whole list. No tax returns, no business plan, and nothing to write up.
Why Business Owners Choose Us
Factors from 1.10. On best qualified files. Most approvals price higher. A factor is not an interest rate and not an APR.
Judged on What You Earn
We start with what your business actually deposits in a normal month. Your bank statements say more about how you are doing than a credit score does.
Already Carrying an Advance?
You can still apply. We fund second position and beyond, and a first position works where the business has prior advance history.
A Past Default Is Not the End
Settled a default with a previous funder? Bring us the zero balance letter for it and we will take a look, the same as anybody else.
Nothing Gets Shopped Around
We fund with our own money, so what you send us stays with us. It does not go out to a list of other funders while you wait to hear back.
Room in the Term
Advances run $25K to $5M on terms out to 52 weeks, and a longer term means a smaller amount leaving your account each week. That is always worth talking about.
Pay Off Early if You Can
If business picks up faster than you expected, just ask. Early payoffs are considered on request, so you are not locked in for the sake of it.
What an Advance Costs
Get a feel for the numbers before you talk to anyone.
Estimated total remittance
$180,000 to $210,000
The full dollar amount you would deliver back, across the whole term.
Estimated weekly remittance
$5,625 to $6,563
Estimated number of weeks: 32
Share of your weekly deposits
27% to 32%
Based on the revenue you entered, spread evenly across the year.
Estimate only. This is not an offer.
This is an estimate, not an application, not an approval, not a quote, and not an offer of any kind. Fiji Advance has not reviewed your business, your bank statements, or your credit. Actual amounts, cost and remittance terms are determined only after underwriting and are provided to you in a written agreement before you sign. The figures shown are not interest, not an annual percentage rate, and not a promise of what you will be offered.
Who We Fund
We work with businesses in nearly every industry. Here are a few of them.
Trucking and logistics
Cover fuel, repairs and drivers while you wait on the broker to settle up.
Construction and contracting
Keep materials coming and crews paid while the draw works its way through.
Restaurants and food service
Stock the kitchen, cover the wage run, and replace equipment the week it goes.
Retail
Stock up for your best season before the season starts paying for itself.
Auto services
Keep parts on the shelf and every bay earning.
Medical and dental
Cover staff, rent and equipment while the insurers work through their own schedule.
We also fund e-commerce, landscaping, wholesale and distribution, salons, professional services and franchises. If yours is not here, just ask.
Partners and ISOs
Send your files straight to the people who fund them. You are dealing with the funder, so the answer you get is the answer, and nothing is shopped out behind you.
Ready to Get Started?
A few minutes to apply, and we'll come back with a clear answer.
Or email admin@fijiadvance.com