Replace punishing daily payments with a revolving business line of credit up to $1.5M. Same-day approval. Pay only for what you draw. Keep your equity, your cash flow, and your sanity.
Merchant cash advances look fast on the way in. Then reality hits: the hold-back starts, the weekends don't pause, and suddenly you're running your business to feed the advance.
A "1.35 factor" sounds small. On a 6-month term, that's an effective APR north of 70%. Some stacks cross 150%.
Payroll Friday? Rent the 1st? Doesn't matter. The pull happens every business day until the balance is zero.
New advance to cover the old one. Two advances become three. Before long you're running on a treadmill that tilts up.
This isn't a rebrand of the same product. It's a structurally different financial instrument — the kind established banks offer their best customers, available to you today.
No collateral statements. No endless underwriting calls. The whole thing is built to respect the fact that you're still running a business while you do this.
Connect your business bank account (read-only) and share basic business info. Tax returns may be requested depending on your credit line amount and industry — your specialist will tell you upfront.
Our underwriters review in real time. You see your approved line amount, rate, and terms — no credit pull impact during pre-approval.
Accept your terms, sign digitally, and draw. Wires clear same business day. Use it to pay off your MCA first — we'll even handle the payoff wire direct.
Access the capital you need, when you need it. Draw in increments as small as $5K — no forced over-borrowing.
Apply before 2pm ET, have funds in your account by end of day. Real wires, not "pending" holds.
Tell us who holds your advance and we'll wire the payoff directly. No juggling transfers — you're free in one move.
Your building, equipment, and A/R stay yours. We underwrite on cash flow and credit — the way it should work.
Dedicated funding specialist from application to payoff. No chatbots, no offshore call centers, no "please hold."
Transparent rates starting at 8.9%. No factor math, no origination hiding, no prepayment penalty. What you see is what you pay.
Every application gets a dedicated funding specialist who stays with you from first call through final payoff. Here's who you'll actually talk to.
15 years in SMB lending. Previously led underwriting at a top-20 US specialty lender. Started Speedline after watching too many operators get crushed by daily-payment products.
Structures the credit facilities that let us lend up to $1.5M unsecured. Former syndicated lending desk at a top tier investment bank. Makes sure we can say yes.
Looks at cash flow the way operators do — not the way spreadsheets want. Trained a generation of commercial credit analysts. Your file is in good hands.
Runs the team that handles MCA payoffs end to end. Coordinates wires directly with your current MCA holder so you're never stuck playing middleman.
"I was pulling $2,100 a day across three stacked advances. Speedline approved me for $480K in a Tuesday afternoon — by Wednesday morning all three MCAs were paid off. First Friday payroll I didn't dread in two years."
Pre-qualification takes 5 minutes and won't touch your credit. If you qualify, you'll see your offer in under an hour.
Check your rate — it's free