One product. No hidden second product disguised as a line item.
A Motek Advance is a purchase of a fixed amount of your future receivables — not a loan, not a revolving line. Here's exactly how the mechanics work.
The four numbers on every file
Purchase price
The lump sum you receive today, funded to your business bank account once you're approved and contracts are signed.
Purchased amount
A fixed total we're owed in return — set at approval, disclosed before you sign, and never recalculated after funding regardless of how long remittance takes.
Factor rate
The purchased amount expressed as a multiple of the purchase price (for example, 1.30 means $1.30 owed per $1.00 advanced). One number, not a compounding interest rate.
Remittance
A fixed daily or weekly amount is debited from your business account until the purchased amount is satisfied — sized to your cash flow at underwriting, not renegotiated mid-term.
Illustrative mechanics only — your actual purchase price, factor rate, and remittance schedule are set during underwriting and disclosed in full before you sign anything.
What it's not
- Not a bank term loan — no fixed monthly payment regardless of revenue.
- Not a revolving line of credit.
- Not a factoring arrangement against specific invoices.
- Not secured by collateral or a lien on equipment.
Is this the right fit?
- You need capital faster than a traditional bank timeline allows.
- Your revenue is steady but your personal credit history is thin, imperfect, or not representative of how the business is actually performing.
- You'd rather pay a fixed, disclosed cost than carry a revolving balance.
- You don't have hard collateral to pledge, or don't want to.