About us – Stellar Cap

Capital that scales with

your revenue.

A Merchant Cash Advance gives your business access to working capital based on performance—not perfect credit. Use funds for payroll, inventory, marketing, repairs, or day-to-day growth.

Direct Funder Advantage

Work directly with a funding team built for speed, transparency, and consistent communication.

Lower Total Cost

Access straightforward offers with clear terms—designed to keep your funding efficient and your business moving.

24-Hour Decisions

Get reviewed quickly and receive an offer in as little as 24 hours, with funding available within 24–48 hours.

Direct Access

Speak with real decision-makers and a dedicated team that guides you from submission to funding.

How MCA Works

Our clinical approach ensures you get funded in four simple, frictionless steps.

1. Application

Complete our simplified 5-minute online form with basic data.

2. Underwriting

Our team performs a rapid, data-driven review of your business.

3. Contracts

Review clear terms and sign digitally from any device, anywhere.

4. Funding

Capital is wired directly to your business account within 24 hours.

Intelligent Capital Designed for Fluctuating Revenue

Our funding models are built to adapt to the reality of modern business cycles, providing stability when you need it most.

Faster access to growth capital

We eliminate traditional banking delays with automated underwriting and real-time decisioning—so funding keeps pace with opportunity, not paperwork.

Financial clarity, not complexity

No hidden fees. No confusing terms. We provide radical transparency and data-driven insights so you always understand your capital position.

Built as a long-term partner

We don’t just fund businesses we grow with them. Our success is measured by the scale, resilience, and longevity of the companies we back.

Underwriting Guidelines

Our current funding requirements for brokers and business owners. These guidelines help streamline submissions, improve approvals, and speed up funding timelines.

$50,000+

1+ Year

2nd – 8th

Up to 26 Wks

Ready To Scale?

Join over 2,000 businesses that have transformed their growth trajectory with Stellar Capital.