Utah · Small business funding
Merchant cash advances in Utah
Advances from $10,000 to $500,000 for Utah businesses, underwritten on deposit history rather than credit score.
GLD Factoring LLC DBA GLD Funding provides merchant cash advances to Utah businesses from $10,000 to $500,000. Utah applicants submit 4 months of business bank statements. Approval is based primarily on business performance and cash flow, and same-day funding is available on signed contracts.
Disclosure law in force
The Commercial Financing Registration and Disclosure Act requires provider registration and written disclosure of total cost and terms.
Your right to a written disclosure in Utah
Utah requires commercial financing providers to give you a written disclosure of cost and terms before you sign. That means you are entitled to see the total dollar cost and repayment terms in writing - from any funder, not just this one.
Use it. Reduce every offer you receive to the same figure: what leaves your account in total, and what gets debited how often.
What Utah businesses use funding for
Across trades, the pattern is consistent: capital that has to arrive before the revenue it unlocks. Inventory ahead of a season, equipment that failed without warning, payroll between progress payments, a second location while the first is still paying for itself.
Applying from Utah
The application is entirely online. You will need 4 months of business bank statements - or you can connect your bank read-only and skip the upload.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Questions
Funding in Utah.
Are merchant cash advances legal in Utah?
Yes. Merchant cash advances are legal in Utah, and the state regulates how they must be disclosed. The Commercial Financing Registration and Disclosure Act requires provider registration and written disclosure of total cost and terms.
How many bank statements do Utah businesses need?
Utah businesses provide four months of business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
How much can a Utah business get?
Advances range from $10,000 to $500,000. The amount is driven by average monthly deposits rather than credit score, and is determined by underwriting your business performance and cash flow.
How fast can a Utah business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
Regulatory information on this page is provided for general guidance and is not legal advice. Commercial financing requirements change; confirm current obligations with qualified counsel. GLD Factoring LLC DBA GLD Funding is not a bank and does not offer loans - a merchant cash advance is the purchase of future receivables.
See what your Utah business may qualify for.
Answer a few simple questions to get started. No credit inquiry during the eligibility check.