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Oct 6, 2015 Basically, with a Business Cash Advance, Business Credit & Capital will purchase a percentage of your future revenue and advance those funds to you up-front. Unlike most small business loans, you use the money without restriction. We then deduct a small percentage daily from your future sales.

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Capital One® Spark® Cash for Business' Additional Info. MAX LATE FEE $39; MAX OVERLIMIT FEE None; MAX PENALTY APR 30.90% (V); GRACE PERIOD 25 days; ONLINE RESPONSE No; CASH ADVANCE APR 24.49% (V); CASH ADVANCE FEE 3% (min $10); FOREIGN TRANSACTION FEE None; SMART CHIP