Retail Merchant Cash Advance
A retail merchant cash advance through Quordx Capital gives store owners access to working capital from $5,000 to $500,000 based on monthly sales volume, with repayment structured as a percentage of daily revenue so payments naturally slow down when foot traffic does. Factor rates in Quordx Capital's lender network typically run between 1.15 and 1.45. Most decisions come back the same day you apply.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Common Reasons Operators Apply
Retailers commonly use Quordx-matched funding for situations like these:
- Fixture, lighting, and store refresh costs
- Inventory buys ahead of seasonal sell-through
- Bridging cash flow between credit card settlement cycles
- POS, e-commerce, and inventory management upgrades
Not sure which funding type fits your situation? Quordx Capital's matching process determines the right option based on your goals, timeline, and specific situation, then connects you with the lenders best equipped to help.
Business Funding With Repayment That Adjusts to Your Revenue
One of the most common concerns business owners have about taking on funding is the repayment, fixed monthly payments that don't account for slow months, seasonal dips, or unexpected revenue changes.
Several funding products available through Quordx are structured differently.
We're a business funding broker. The lenders in our network offer products where repayment adjusts based on your revenue, when business is strong, payments are higher; when it's slower, payments come down. You're not locked into a fixed obligation that creates pressure during slow periods.
What Revenue-Based Business Funding Repayment Looks Like
For merchant cash advances and revenue-based financing, two of the most common products available through Quordx, repayment is structured as a percentage of future revenue. Payments rise and fall with your cash flow automatically.
Working capital loans and business lines of credit carry fixed repayment schedules, which work well for businesses with predictable monthly revenue. We match you to the product that fits your revenue pattern, not a generic repayment structure.
And more. If you're not sure which funding type fits your situation, Quordx's matching process determines the right option based on your goals, timeline, and specific situation, then connects you with the lenders best equipped to help.
No equity. No collateral on most products. No fixed payment that ignores how your business actually works.
SEE MY REPAYMENT OPTIONS
No cost to apply. No obligation. Initial inquiry does not impact credit.
Questions Business Owners Ask Before Applying
Is Quordx a lender?
No. We're a business funding broker. We match your application to lenders offering different products and repayment structures, and present you with the option that fits your revenue pattern.
What if my revenue is seasonal or unpredictable?
Revenue-based repayment products are specifically designed for variable revenue. Payments adjust automatically based on cash flow, you don't pay a fixed amount in a slow month.
What if I want a fixed repayment schedule instead?
We work with lenders offering fixed-term products as well. The right structure depends on your revenue pattern and how you plan to use the capital, we match you to the right one.
How fast is the process?
About 10 minutes for background business information. Same-day decisions for complete applications before 3pm EST. Funds in your account within 24-48 hours of acceptance.
SEE MY REPAYMENT OPTIONS
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
This Site is intended for commercial, business-purpose financing for U.S. businesses only. Not available for consumer loans, residential mortgages, or owner-occupied real estate. Quordx may receive compensation from lenders when applications result in funded transactions. This does not change the rate, fee, or terms offered to you. See our Advertiser Disclosure for details.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.