Who We Are
Your revenue already
proves your business works.
We fund it accordingly.
Beacon Bridge Capital provides merchant cash advances based on your actual business revenue — not your credit score alone. We've funded thousands of businesses across every industry since 2011. Our process is fast and transparent. You'll know your factor rate, holdback percentage and total repayment amount before signing anything.
Years Funding Businesses
+
Businesses Funded
k+
Total Capital Deployed
$M+
Funding That Fits
Capital for every
stage of business growth.
Industries
We Fund.
Business Owners Who Got Funded.
We needed $75K for a second location buildout. Banks wanted 90 days of paperwork and still weren't sure. Beacon Bridge reviewed our bank statements, gave us clear terms with a 1.28 factor rate, and funded us within 48 hours. The new location opened on time.
Client Stories
I run a landscaping company. Peak season hit and I needed two new trucks plus crew equipment fast. Beacon Bridge got me $120K with a daily holdback that fit my cash flow. They explained every number before I signed. No surprises. Best funding decision I've made.
Client Stories
Transparent
Terms.
Financial Disclosure
What Is a Merchant Cash Advance?
A merchant cash advance (MCA) is a purchase of future receivables — not a loan. Beacon Bridge Capital purchases a portion of your future sales at a discount. You receive a lump sum upfront and remit a fixed percentage of daily or weekly revenue until the purchased amount is fully collected.
Cost of Capital
Factor rates range from 1.10 to 1.50, depending on business revenue, time in operation and other qualification criteria. For example: a $50,000 advance at a 1.30 factor rate means a total repayment of $65,000. No additional fees are charged beyond the factor rate unless specified in your agreement. Effective annualized cost varies based on how quickly the advance is repaid and can range from approximately 40% to 150%+ when expressed as an annualized percentage.
Repayment Terms
Repayment is made through daily or weekly ACH debits based on a fixed holdback percentage (typically 10–20%) of your business revenue. Estimated repayment periods range from 3 to 18 months. Because remittance is revenue-based, the actual repayment timeline may vary.
Implications of Non-Payment
Failure to maintain sufficient funds for scheduled ACH remittances may result in: ACH return fees from your bank, breach of contract under your MCA agreement, potential legal action to recover the remaining purchased amount and a UCC lien filed against business assets. Beacon Bridge Capital will attempt to work with merchants experiencing temporary revenue disruptions before pursuing remedies.
Qualification Criteria
Qualification is based on business revenue and bank statement review. A minimum of 4 months in business and $10,000 in average monthly deposits is typically required. Personal credit is reviewed but is not the sole determining factor. Not all applicants will qualify. Funding amounts and terms vary by applicant.
State Disclosures
Beacon Bridge Capital complies with all applicable state commercial financing disclosure laws, including those in California (SB 1235), New York, Virginia and Utah. Specific disclosure documents will be provided as part of your funding agreement before you sign.