Bitty Advance, LLC is one of the leading online MCA lenders and provides merchant cash advances to small businesses. Recently they made a change in their website structure, loan amount, and also their logo.  In the beginning, the online lender lends up to 10 thousand but now they increased their loan limit and lends up to 25 thousand.

Hi, this is Mark again, today in this article I am going to review Bitty Advance LLC. In this review, I will explain all the pros and cons, interest rate, payback terms, best alternatives, and other stuff about Bitty Advance. And I hope this review will help you a lot to get a clear idea about Bitty Advance.

Table of Contents

Bitty Advance Pros

Let’s have a look at the upsides of the online merchant cash advance lender and it will help you to compare with other online merchant cash advance lenders-

1. Funding Process Done Online

All the lending process is done online. To get a loan from Bitty you don’t need to visit physically. You can simply apply for a loan. You just need 5-10 minutes to apply for a loan. And it’s really cool.

2. Super Fast Approval

The next thing I loved about the online lender is their fastest approval. If you work with a broker they may submit your file to a lot of lenders. And it will take time, but my experience says Bitty takes 3 to 5 minutes to give a pre-approval. After submitting the paperwork like a one-page application, last there or four months bank statements. If it is the middle of the month then they may ask you for the month to date of the running month.

3. Weekly Payment Option

My experience says most online lenders don’t have a weekly payment option. But it if you have a good payment history and it is your second time with Bitty Advance, you can get a loan with a weekly payment option.

Read More: 8 Online Lender For Unsecured Business Loan

4. Refinance

Refinance is most important for a small business owner who takes loans regularly. Besides, if you have a small loan with another lender you can buy out them and work with Bitty.

5. Good Approval Ratio

Most online lenders directly decline your file or application and don’t offer a loan. But this financial company has a great approval ratio. As I saw they don’t decline a file if they have something minimum to do.

6. Sameday Funding

Another best part of Bitty is they can fund you on the same day. If you apply for a loan and get a pre-approval. Now if you think everything is fine and say yes. Then you just need to submit other paper works like a driving license, voided check. After doing the bank verification you will get funded in 24 hours.  But remember they don’t work holidays.

7. Small Payment

As you are getting a small loan, so your payment amount will be small. It’s simple. But the best part is you don’t need to pay for the holidays and other government holidays. And it will be automatically deducted directly from your bank account.

Bitty Advance Cons

Like other online lenders, this financial service provider is not out of some cons. Well, it is time to learn about the downsides of Bitty Advance LLC. Let’s have a look-

1. Small Amount Of Loan

If you are looking for more than 25 thousand then this lender is not working for you. The maximum loan amount they offer is 25 thousand. But if you look at other online lenders like Credibly they will lend you up to $25000 and some lenders can lend up to 5 million. So again, if you need a large amount of loan then this lender is not a good fit for you.

2. No Monthly Payback

For a small business owner, it is quite hard to pay loans daily or weekly. They look for monthly payback. But here is sad news for you, this online lender doesn’t have any monthly payback option.

3. Works With Lot of Brokers

This is the worst thing about Bitty Advance, if you submit your file to a broker and the broker work with Bitty Advance, Bitty will never touch your file. You have to take a loan from Bitty via the broker. And for this, you may have to pay extra fees and rates as well.

Is Bitty Advance Legit?

Yes, Bity Advance LLC is a 100% legit online lender. The online lender is located in Miami, Florida, United States. They have only one loan program for the small business owners, called merchant cash advance or MCA.

Qualification For Loan Approval

It is really easy to get a loan from Bitty Advance.  You must need to meet the following requirements to qualify for a Bitty Advance Loan:

  1. 450 or more personal FICO scores.
  2. Minimum 6 months in business.
  3. At least 5000 monthly deposits into your business checking account.

Bitty Advance ISO partner

If you are a broker or want to work as a broker then you can work with this online lender. To sign up as an ISO partner with Bitty Advance you just need to fill out and sign the agreement, complete the W-9 form, you need to fill up a deposit form, and then email the papers and documents to the partner email. Partner or ISO email is- Or you can call them.

Bitty Advance Alternatives And Competitors

The best alternatives and competitors of Bitty Advance are Kapitus Funding, Rapid Finance, Fora Financial, Lendio, National Funding, First Union, Credibly.

Our Reviews On Bitty Advance

If you are looking for a small business loan with low daily and weekly payments, Bitty Advance Merchant cash advance could be a good option for you. All the funding processes are simple and done in-house. But the cost of capital is a little expensive. If you ask us for ratings, we will give Bitty Advance a 7.5 out of 10.

Additional Information About Bitty Advance

Bitty Advance Office

Their office address is 1250 Biscayne Blvd, 304-4, Miami, Florida.

Bitty Advance Contact

Phone Number: +1 800-324-3863; E-mail:


We all know MCA or merchant cash advance’s interest rate is higher than a traditional bank. But if you want to get a loan from a traditional bank you have to submit a lot of paperwork, must have a good credit score, and it’s a long time process. If you are a small business owner and looking for an initial short-term business loan you can work with Bitty Advance LLC.

  • Fastest approval
  • Weekly repayment option
  • Same day funding
  • Small loan amount
  • No monthly payback

Read more: Top 7 Bridge Loan Lenders, Best Credit Unions in Texas.