Available only to self-employed individuals and small businesses for commercial purposes — not a consumer product and not for personal, family, or household use. A merchant cash advance is not a loan: it is a purchase of a set share of your future sales, so what you remit is a fixed, agreed amount rather than interest and is never expressed as an annual percentage rate. Where a third-party funder provides the financing, that funder’s own revenue purchase agreement governs the transaction and round1funding.com acts as a connection provider and marketplace rather than the funder: it is not a party to that agreement, does not guarantee that you will be matched or approved, and never charges a fee in advance in exchange for a promise of funding. Reviewing your options is a soft inquiry that leaves your credit score untouched. Availability and terms vary by state, and funding is not offered in California or New York. This service is governed by the laws of the State of Oregon.