Legal
Disclosures
What the product is and is not, where and what we fund, what the funding estimate does, and what you certify when you apply.
Last updated August 30, 2026
What a merchant cash advance is
Fiji Advance provides merchant cash advances. A merchant cash advance is the purchase of a portion of your business's future receivables at a discount. It is not a loan, not a line of credit, and not an extension of credit, and the amounts shown on this site are not interest and not an annual percentage rate. Approval, amount and pricing depend on underwriting and are not guaranteed.
This applies everywhere Fiji Advance describes funding, including the funding estimate tool on this site and every figure it produces. A factor is not an interest rate and it is not an annual percentage rate.
Where we fund
We fund businesses across the United States.
Nothing on this site is an offer of funding in any state. Whether we can fund a particular business is decided in underwriting.
What we fund
Advances run $25,000 to $5,000,000, with terms out to 52 weeks. What a business can carry comes out of its bank statements.
We fund second position and beyond, and we will look at a first position where the business has prior advance history.
We work with businesses in nearly every industry, from trucking and construction to retail, restaurants, medical practices and professional services. If you are not sure whether yours fits, the quickest way to find out is to ask us.
The funding estimate tool
The site carries a funding estimate tool. It performs arithmetic on figures you type in, it knows nothing about your business or your deposits, and it does not send what you type to anyone.
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.
How our pricing is described
Cost on an advance is expressed as a factor. A factor is a multiplier on the amount advanced: multiply the advance by the factor and you have the total dollar amount you remit. It is a fixed dollar figure, not a percentage that accrues over time.
Pricing on our best qualified files starts at a 1.10 factor. What you are offered depends on your revenue, your time in business, your position, your industry and your payment history, and most approvals price above 1.10. A factor is not an interest rate and it is not an annual percentage rate. Whatever your number turns out to be, you get the total dollar cost in writing before you sign anything.
What you certify when you apply
The statements that appear on the forms on this site are reproduced here in full, in the words they carry on the form.
On the funding application:
By submitting this application I certify that I am authorized to act for the business named above, that the information and documents I have provided are true and complete, and that this request is for business purposes only and not for personal, family or household purposes. I authorize Fiji Advance and its agents to obtain business and personal consumer reports, bank records and other information about me and the business in connection with this request and any resulting transaction, and to verify the information I have provided with third parties.
On the partner submission form:
I authorize that all information is real and legitimate, and that consent was given by the owner of the information to submit on his or her behalf.
Applications go to admin@fijiadvance.com. Broker and ISO submissions go to subs@fijiadvance.com.
The rest of the paperwork.
The terms you accept by using this site, what happens to the information you send us, and what you agree to when you give us a mobile number.