Cactus Cash was founded with the core belief that small businesses deserve access to capital. The environment for small businesses to secure funds has changed dramatically since the financial crisis. Lending standards have tightened and often more collateral is required than in the past. Coupled with consolidation in the banking industry its tough for small businesses to access capital. Our advances are structured as a purchase of future sales, not a loan. Your ability to qualify for an advance is based on your business’ cash flow. Therefore, we do not require collateral or high credit scores. Our application process is simple and since we are a direct funder we are able to provide offers for financing in two business days or less. We will process your request and fund your account in a matter of days, not weeks.