Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships., See, merchant cash advance loans tend to come in smaller sizes than other kinds of business financing. Lendr bucks that trend by offering advances of up to $500,000―at least $200,000 more than Forward Financing, Lendio, and Payability., Merchant Cash Advance For Business Example. Let’s say you get a business cash advance for $10,000 at a 1.26 factor rate. Effectively, your funder has purchased $12,600 of your future card-based profits for $10,000. They start collecting on the next business day. As mentioned earlier, payments can fixed or variable..