Direct answers on receivables capital.

A receivables advance (often called a merchant cash advance) is a commercial purchase of a defined dollar portion of your future business receipts rather than a debt instrument. Because it is a true commercial sale of future revenue, there is no accruing interest rate or fixed maturity amortization—instead, Taven Capital states a transparent fixed purchase factor upfront, and remittances adjust alongside your actual sales deposits.

No. Taven Capital never performs a hard consumer credit bureau pull when you verify your file or inspect commercial receivables options. Underwriting focuses on verified business checking activity. (If you earn W-2 wages and voluntarily elect our optional third-party partner connection, an independent provider may perform its own credit inquiry under its separate disclosure.)

For direct commercial receivables underwriting, we look for: (1) at least 90 days of active commercial or 1099 operating history, (2) $2,500 or more in verifiable gross monthly business deposits, (3) an active U.S. business or sole-proprietor checking account, and (4) an authorized signatory aged 18+ who is a U.S. citizen or permanent resident. Taven Capital does not originate or service commercial receivables transactions in California or New York.

Yes. Personal FICO scores do not drive commercial receivables underwriting at Taven Capital. We examine deposit regularity, average ledger balances, and operating stability. Active bankruptcy filings, severe recent non-sufficient-funds patterns, or unverifiable deposit streams are the primary disqualifiers.

Purchased receipts are delivered via scheduled electronic ACH debits from your designated operating account at an agreed holdback percentage. Because remittances correspond to commercial revenue flow—and every Receivables Purchase Agreement includes formal reconciliation provisions—your remittance pace flexes naturally if gross receipts dip.

Once bank verification is complete and your Receivables Purchase Agreement is electronically countersigned prior to daily banking cutoffs, ACH deployment commonly settles the same afternoon or on the next standard banking day.

No hard collateral lien or personal guarantee of repayment is required for a true purchase of future receivables; standard commercial covenants simply require operating honestly and not diverting commercial deposits away from the designated account.

Active or returning clients can open Returning Portal, verify their email address and last name, choose a requested capital amount in $50 increments, and execute updated E-Sign disclosures in under sixty seconds.