Cash Buoy
Revenue-based advances from $2,500 to $250,000. You deliver them as a share of your daily sales, not as a fixed bill on a set date.
- Amounts
- $2,500 to $250,000
- Speed
- Days
- Repayment
- A share of each day's sales
- Structure
- A purchase of future receivables, not a loan
- Qualifying floor
- About three months open and roughly $5,000 a month in sales
- Cost written as
- A factor rate, not an interest rate
What Cash Buoy actually is
Cash Buoy is an advance. How that differs from a loan is not a technicality. You are not borrowing a sum and paying it back with interest. A funder is buying a slice of your future sales at a discount. They collect it as a small share of each day's take, until the agreed amount is delivered.
That structure is the product. In a busy week you deliver more and finish sooner. In a dead week you deliver less and the timeline stretches. For a business with truly uneven months, that room is worth real money. A fixed weekly payment in a slow month is where thin businesses get hurt.
It is also the most expensive money on this page. We would rather say that plainly than sell around it. The price is written as a factor rate. That is a multiplier, not a yearly rate. It does not fall if you deliver early. What you are buying is speed and flexibility. They are priced that way.
The bar to qualify is low by design. About three months open and about $5,000 a month in revenue puts the talk on the table. Sales history does most of the work in the file. That is why this often clears when credit-driven underwriting will not.
How it works
Send recent sales history
A few months of bank or processing statements. That history is the file here, far more than a credit report is.
Underwriting sizes the advance
The offer comes off what your daily sales can carry. Not off the number you ask for. That ceiling is a feature, not a hurdle.
You get the total in writing
The amount advanced. The factor rate. The total you will deliver. And the share of daily sales it comes out of. We put all of that into plain dollars before you sign.
Funded in days, then it flexes
The money lands quickly and delivery runs as a share of sales. Busy weeks move faster, slow weeks ease off.
What Cash Buoy costs
This is the most expensive option on the page. It is also the fastest. The price is written as a factor rate, not a yearly rate. That makes it easy to lowball in your head. So we turn it into dollars for you before anything gets signed.
How the price is written
A factor rate. That means a multiplier on the amount advanced. Advance times factor is what you deliver in total. That total does not shrink if you finish faster.
What drives your number
How steady your daily sales are. How big they are. How long you have been open, and your trade. Steady daily receipts price better than the same yearly revenue in lumps.
The tradeoff
You are paying for speed and for delivery that flexes with a slow week. If your months are steady and you can wait a week, a fixed-term loan through ARF is materially cheaper.
Finishing early
The cost is a fixed total. It does not build up over time. So delivering early usually does not save you money. Ask us to check it on your own offer, and plan around the full number.
We put the total delivery amount next to the total payback on a fixed-term loan. Both in dollars. Then you can see the real gap between fast money and cheap money before you choose.
An advance is the right tool for a narrow set of problems and the wrong tool for most of them.
We place it when speed really matters. We also place it when the numbers will not clear anywhere cheaper. When a slower option would cost you less, we say so out loud. The mistake we see most often is an owner stacking a second advance on top of a first. We will tell you when that is the road you are heading down.
We place working capital with more than one partner. So what we suggest follows your numbers, not one funder's pitch. Bring us the offer you like, even one you found somewhere else. We will put the real total cost of each side by side before you sign.
Who it fits
- Businesses with steady daily card and cash sales
- About three months open and roughly $5,000 a month in sales
- Owners whose credit would stall a bank loan
- Truly uneven months, where a fixed payment is the risk
- A need that cannot wait: stock at a discount, an urgent fix, a short bridge
Who it does not fit
If your months are steady and you can wait a week, this is the expensive way to solve the problem. ARF is where we would send you instead. It also does not suit a business without regular daily receipts. And for a large planned buy, equipment financing through SURV would secure a better price.
We carry more than one option here. That is exactly so we never have to push the wrong one on you.
Cash Buoy, answered
Is this a loan?
No, and the difference is worth knowing. A funder is buying a share of your future sales at a discount. There is no interest rate. There is no fixed monthly bill. It comes out as a share of daily sales.
What is a factor rate?
A multiplier, not a percentage per year. At 1.3 you deliver $1.30 for every dollar advanced. Turned into a yearly cost, it is usually higher than it sounds. That is exactly why we convert it for you first.
What happens in a slow month?
You deliver less, because it is a share of what you actually sell. The timeline stretches instead of a payment bouncing. That is the core reason to choose this structure.
Does finishing early save me money?
Usually not. The total is set at signing. It does not build up over time. Ask us to check the exact terms of your offer before you sign, and budget for the full amount.
How fast can this fund?
Days, and it is the fastest option we place. If your problem is genuinely urgent, this is normally the answer.
How much can I get?
The published range is $2,500 to $250,000. But the real ceiling comes off your daily sales. We will give you an honest number before you apply, not after.
Not sure Cash Buoy is the one?
Tell us what you are trying to do. We will walk the options with you, in plain dollars, before anything gets signed.