Capital that keeps your business moving.
Motek Advance is a direct funder for established businesses — not a broker, not a marketplace. One underwriting team, one point of contact, and terms you can actually read.
Direct funder
We fund our own capital — no referral, no markup.
Human underwriting
A real underwriter reviews every file and can explain the decision.
Plain terms
One factor rate, disclosed up front. No stacked fees.
Three things we build every file around.
Underwritten on cash flow, not your credit file
We read your bank statements, not your credit history. A thin personal credit file doesn't disqualify a business with steady deposits.
One point of contact, start to finish
The person who reviews your file is the person who calls you. You're not routed through a call center once you're in the door.
Terms you can read in five minutes
One factor rate, disclosed before you sign. No stacked fees, no renegotiation after funding.
One product. Built to be understood in five minutes.
A Motek Advance is a purchase of a fixed amount of your future receivables — not a loan. You receive a lump sum; we're remitted a fixed, agreed amount as your business earns, sized to your cash flow rather than a rigid monthly payment. One factor rate, set at approval, never recalculated after funding.
No collateral
Receivables-based, not asset-secured.
No prepayment penalty
Early payoff discounts the remaining factor.
No tax returns
Underwritten primarily on bank-statement cash flow.
No industry blacklist
Reviewed case by case across main-street trades.
We read cash flow for a living.
Every trade has one.
Eight of the trades we see most — and the cash-flow reality an underwriter actually looks at in each.
From application to funding, in order.
Apply
A short application and your recent bank statements — no tax returns required to get a range.
Talk to underwriting
A real underwriter calls to walk through your file, ask real questions, and give you a real range.
Review & sign
One factor rate, one remittance schedule, no fine print you need a lawyer to decode. Sign electronically.
Funded
Funds move to your business bank account once contracts are signed and conditions are cleared.
We fund your files directly — no daisy chain.
Motek underwrites and funds in-house. When you submit a deal, it's reviewed by the same team that prices it — not shopped around to a dozen funders first.
"Built by people who know what brokers actually need from a funder."
— Motek's partnerships desk works deal-by-deal, not through a submission queue you can't see into.
Plain answers.
No. It's a purchase of a fixed dollar amount of your future receivables in exchange for a lump sum today. The cost is expressed as a single factor rate set at approval, not an interest rate that compounds over time.
A short application and your most recent business bank statements. We don't require tax returns to give you an initial range — if your file needs more documentation to finalize, your underwriter will tell you exactly what and why.
Specifics of our verification process are being finalized — your underwriter will walk you through exactly what's checked and when before anything happens. Nothing proceeds without your consent.
We weight business cash flow far more heavily than personal credit history. Consistent deposits matter more to us than a credit score.
No. Paying off early reduces the remaining factor — we'll show you exactly how before you sign, not after.
Banks underwrite primarily on collateral, tax returns, and credit history, and the process typically runs weeks. We underwrite primarily on cash flow and a direct conversation with your business.
Tell us about your business. We'll follow up directly.
Pre-qualification takes a few minutes and doesn't commit you to anything.