Clear answers about Wavecrest Funding.

Wavecrest Funding provides revenue-based working capital for qualifying U.S. small businesses. Funding is structured as a merchant cash advance, meaning Wavecrest purchases a fixed amount of future business receivables.

Wavecrest Funding reviews requests from $10,000 to $500,000. The approved amount depends on business revenue, deposit consistency, time in business, existing repayment load, and underwriting review.

No. Wavecrest Funding provides merchant cash advances, which are purchases of future receivables. An MCA is not a loan, does not use an APR, and is repaid by remitting a fixed percentage of business sales until the purchased amount is delivered.

A typical fit is a U.S.-based business with at least six months in operation, an active business bank account, and $15,000 or more in average monthly revenue. Final approval is subject to underwriting and signed funding documents.

Starting an application does not affect your personal credit score. Wavecrest reviews business performance, statement quality, revenue consistency, and current repayment obligations.

Wavecrest targets a decision within 24 hours after a complete file is received. Approved businesses can be funded in as little as 24 to 48 hours after accepting terms and completing final documentation.

Most reviews begin with a completed application, business details, owner information, and recent business bank statements. A complete file helps Wavecrest return a faster decision.

Wavecrest reviews businesses across restaurants, hospitality, retail, healthcare services, construction, trades, transportation, logistics, and business services. Other industries may qualify if revenue behavior and documentation are strong.