Funding Programs Built for Business
From working capital to large-scale growth financing, Keystone offers structured programs with clear terms and no surprises.
Revenue Advance
Ideal for businesses needing fast working capital, inventory purchases, or short-term operational needs.
Apply Now- 6+ months in business
- $10,000+ monthly revenue
- Active business bank account
- No open bankruptcies
Growth Capital
Designed for established businesses pursuing expansion, equipment acquisition, or significant revenue opportunities.
Apply Now- 12+ months in business
- $100,000+ monthly revenue
- Consistent revenue history
- Dedicated account manager assigned
Private Credit
For high-revenue businesses requiring large-scale capital with custom structures and white-glove service.
Apply Now- 24+ months in business
- $200,000+ monthly revenue
- Strong revenue consistency
- Priority underwriting team
MCA Explained
Common Questions
What is a merchant cash advance?
A merchant cash advance (MCA) is a form of business financing where you receive a lump sum of capital in exchange for a percentage of your future revenue. Unlike a traditional loan, repayment is tied to your daily or weekly sales — so payments flex with your business.
How is repayment structured?
Repayment is made via daily or weekly ACH debits from your business bank account, based on an agreed-upon percentage of revenue. The total payback amount is fixed at the time of funding — there are no compounding interest charges.
What documents are required to apply?
Most applications require 3–6 months of business bank statements, a voided business check, and a completed application. For larger advances, we may request additional documentation such as tax returns or financial statements.
Does my credit score affect approval?
We evaluate your business primarily on revenue performance, not personal credit score. While we do run a soft credit check, strong monthly revenue is the primary factor in our underwriting decisions.
Can I renew or stack funding?
Yes. Once you've paid down a significant portion of your advance, you may qualify for renewal — often at improved terms. We also offer stacking options for qualified clients with multiple capital needs.
Find the Right Program for Your Business
Apply in minutes. Our underwriters will match you with the best program for your revenue and goals.