PIVOT is a leading provider of working capital to small businesses nationwide. Since 2019, more than 3,000 small businesses have trusted us to provide them with fast, flexible, and reliable funding to fuel their success.

A merchant cash advance is a financing arrangement that will provide you upfront capital in exchange for a fixed amount of your future revenue.

To qualify with PIVOT, you must be a U.S. based business with:

• 6 months minimum time in business

• At least $5,000 in monthly sales

• No minimum FICO score

PIVOT has one of the simplest application processes in the industry because we only ask for what we absolutely need:

• Owner’s name and social security number (SSN)

• Business name and Tax ID or EIN

• Three months of your most recent bank statements

No. We only perform a soft credit inquiry which does not impact your credit score.

We provide financing to more than 500 industry segments, including higher-risk industries such as trucking and construction. There are some industries we do not service.

Applying with PIVOT takes most applicants less than 2 minutes.

Our product is designed to complement traditional financing. As long as you meet our requirements, we can still provide you with financing without affecting your other obligations.

As part of receiving funding, you will authorize PIVOT to debit your bank account directly according to the amount and frequency specified in your financing agreement.

You can pay off your account in full at any time with no extra charges. In some instances, PIVOT may even offer a discount for early payment in full, though certain restrictions may apply. It is recommended that you review your merchant agreement or speak directly with your account executive for details on your prepayment options.

You will be eligible for a renewal once you have repaid between 40% and 60% of your advance, subject to satisfactory payment performance.

We only withdraw payments from your account on days when banks are open, so you will not be debited on any U.S. bank holidays.

We will never double debit your account after a holiday.

Please email us at admin@pivotfundinggroup.com or call us at ‪(718) 569-8007‬ to request a payoff letter.