Bayside Advances, based in Moscow, ID, arranges business funding requests with funding partners, who make the credit decisions and set any rates and terms. This page states that role, explains that a merchant cash advance is not a loan, and notes how examples, figures and third-party data on this site should be read.
Our Role
Bayside Advances is a broker, not a lender. We do not make credit decisions, fund loans or advances, or set rates, terms, amounts or collateral. Funding partners do all of those things, on their own written terms.
Bayside Advances connects you with lending partners; partners make credit decisions and set rates and terms.
Nothing Here Is an Offer
No page on baysideadvances.com offers credit or commits anyone to fund anything. No request is assured of approval, and no amount, rate, term or timeline is promised. Partners decide on the basis of their own review.
Merchant Cash Advances
A merchant cash advance is not a loan. The funder buys part of the business's future receipts and collects its share from sales until the agreed total has been remitted. Its cost is usually stated as a factor rate, which is not an annual percentage rate.
Examples and Calculators
Worked examples on this site use hypothetical figures to show how the arithmetic works. They are not quotes, typical offers or predictions. The equipment calculator computes a payment and total cost from the numbers you enter; it does not reflect any partner's pricing.
Public Data
Business counts, payroll and other figures come from the U.S. Census Bureau (County Business Patterns 2023, ZIP Code Business Patterns 2023, Nonemployer Statistics 2024, the American Community Survey 2020-2024 and the Building Permits Survey), as labeled where they appear. ZIP-level figures describe postal areas, not city limits.
Outside the Scope of Bayside Advances
Personal, consumer, payday, auto title and mortgage loans; grants; startup funding; and SBA loans are outside what Bayside Advances arranges.
By Bayside Advances · Updated