(800) 949-0401 Apply NowACH business loans are short-term financing products that repay through small, automated daily or weekly debits from your business bank account via the ACH network. Rather than one large monthly payment, repayment is distributed across 90-500 business days in amounts calibrated to your average daily bank balance. For businesses with consistent, predictable daily cash flow, this structure reduces payment stress by keeping individual payments small relative to daily revenue.
An ACH business loan is a short-term financing product where repayment occurs through scheduled Automated Clearing House (ACH) debits from your business bank account — typically daily or weekly. Unlike a merchant cash advance (MCA) that takes a percentage of credit card sales, ACH loans debit a fixed daily amount from your bank account regardless of daily revenue variation. This makes them more predictable than MCAs but also means payment obligations don't automatically adjust downward on slow revenue days.
ACH loans are particularly popular among B2B businesses, service companies, and businesses with recurring contracts that have consistent bank deposits but don't have the credit card sales volume to benefit from a traditional MCA structure. They're faster to close than most term loans and require less documentation than bank financing.
The cost structure typically uses a factor rate (e.g., 1.25) rather than an APR. A $100,000 advance at 1.25 factor rate means you repay $125,000 total. Per CNBC's small business coverage, factor rate products are increasingly subject to state disclosure requirements. Crestmont offers transparent ACH financing with full cost disclosure before signing.
| Requirement | Typical Threshold | Notes |
|---|---|---|
| Monthly Revenue | $10,000+ | Most lenders require $10K-$15K/month minimum |
| Average Daily Balance | Sufficient to cover daily payment | Daily debit can't exceed average daily balance |
| Time in Business | 6 months minimum | Some lenders accept 3 months |
| Personal Credit Score | 500+ acceptable | Revenue and cash flow outweigh credit score |
| Business Bank Account | Active, consistent deposits | NSF history examined carefully |
| No Active Bankruptcies | Required | No open Chapter 7 or 13 |
Crestmont Capital offers fast approvals and competitive rates. Apply in minutes.
Apply Now →| Cost Factor | Typical Range | What to Know |
|---|---|---|
| Factor Rate | 1.10-1.50 | Total repayment = advance × factor rate |
| Advance Amount | $5,000-$500,000 | Typically 75-150% of monthly gross revenue |
| Repayment Term | 90-500 business days | Shorter terms = higher daily payments |
| Daily Payment Amount | Variable by deal | Total repayment ÷ term in business days |
| Origination Fee | 0%-3% | Sometimes deducted from funded amount |
| Prepayment Discount | Ask about this | Factor rate may still apply regardless of speed |
ACH loans are unsecured — no equipment, real estate, or inventory pledged. Repayment comes from daily business cash flow, making them accessible to businesses with strong revenue but limited tangible assets.
Most ACH loan approvals happen within hours, with same-day or next-day funding after signing. For urgent capital needs — payroll gaps, inventory restock, opportunity capture — this speed is unmatched.
Spreading repayment across 90-500 daily debits keeps individual payments small. A $100,000 advance over 200 business days debits $625 per day — manageable for a business generating $5,000-$10,000 in daily revenue.
ACH lenders weight revenue and cash flow far more heavily than credit score. Business owners with personal scores in the 500s regularly access ACH financing that bank products wouldn't provide, based solely on demonstrated revenue consistency.
No obligation. No hard credit pull to check your options. Apply today with Crestmont Capital.
Check My Options →A staffing company with $300,000 monthly revenue faces a $75,000 payroll due Monday when a major client's $120,000 payment is delayed 3 weeks. An ACH advance of $80,000 funds in 4 hours. Daily payments of $550 for 200 days repay the advance from ongoing revenue while the delayed client payment accelerates payoff when it arrives.
A retailer discovers a manufacturer liquidating popular product at 40% below wholesale — but must commit $65,000 within 48 hours. An ACH loan of $70,000 closes same-day. Retail margin on the discounted inventory yields $110,000, repaying the advance and generating $25,000 net profit over 90 days.
A landscaping company needs $45,000 to onboard 12 seasonal workers for the spring rush. Revenue won't ramp for 3-4 weeks. An ACH advance funds hiring and ramp costs; growing spring revenue absorbs daily payments comfortably as the season accelerates.
| Product | Approval Speed | Rate Range | Best For |
|---|---|---|---|
| ACH Business Loan | Same day-24 hrs | 1.1-1.5x factor | Daily debit, bank cash flow based |
| Merchant Cash Advance | Same day-24 hrs | 1.1-1.5x factor | % of daily card sales |
| Unsecured Term Loan | 1-5 days | 12%-40% APR | Fixed monthly payments, credit-based |
| Business Line of Credit | 1-5 days | 8%-36% APR | Revolving, draw-and-repay structure |
| Invoice Factoring | 1-3 days | 1%-5%/30 days | B2B only, sell receivables |
| SBA Loan | 4-8 weeks | 6%-10% APR | Best rates, heavy documentation, slow |
Join thousands of businesses who chose Crestmont Capital for fast, transparent business funding.
Apply Today →Crestmont Capital provides ACH business loan access with transparent factor rate disclosure, full cost breakdowns before signing, and advisors who ensure the daily payment obligation is supportable given your actual cash flow.
Compare: merchant cash advance for card-volume businesses, unsecured lines of credit for revolving needs, and payroll financing for payroll-specific capital.
An ACH loan debits a fixed daily amount from your bank account regardless of daily sales. An MCA takes a fixed percentage of daily credit card sales — so MCA payments automatically decrease on slow days. ACH loans suit B2B businesses without significant card volume; MCAs suit retail and restaurant businesses with high card volume.
Yes. ACH lenders focus primarily on daily bank deposits and average account balance, not FICO scores. Business owners with personal scores as low as 500 regularly qualify based on demonstrated cash flow consistency. NSF history is scrutinized more heavily than credit score.
NSF events trigger fees from both your bank and the lender, and multiple NSFs signal financial stress that can lead to technical default. Maintain buffer in your account, and if you anticipate a shortfall, contact your lender immediately.
ACH loan amounts are typically 75-150% of monthly gross revenue. A business depositing $50,000/month may qualify for $37,500-$75,000. Maximum amounts vary by lender, with most capping at $500,000.
Yes, though most factor rate products don't automatically reduce total repayment for early payoff — you pay the same total dollar amount faster. Some lenders offer prepayment discounts; always ask.
ACH loans and MCAs are both short-term, factor-rate products with fast approval. The primary difference is repayment method: ACH loans use fixed daily bank debits; MCAs use percentage-based daily credit card sales splits.
Fast decisions. Competitive terms. Dedicated funding advisors. Apply now with Crestmont Capital.
Get Funded Now →Disclaimer: The information provided on this page is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.
