Jags18 LLC funds merchant cash advances and revenue-based financing straight off our own balance sheet. No broker chain, no syndication call, no file handed down the line. The desk that reads your statements is the desk that wires the funds — and the one that answers when you call.
The Stack Problem
Most operating-capital files in this market are quoted by one party, packaged by a second, and funded by a third. Each handoff adds a margin, a delay, and a layer of contradiction. We removed all three because we are the funder.
Jags18 LLC underwrites your file, prices your file, and funds your file from one balance sheet — ours. The number on the term sheet is the number on the wire. The person who quotes you is the person who answers when you call back.
That's the entire model. One desk. End to end.
◆ Direct. Documented.Workflow
A funder you can call shouldn't take a week to read a bank statement. Most files clear the desk on the same business day they arrive.
A short application and the last three months of business bank statements. No hard pull. No application fee. No queue. Five minutes on your end is all we need to start.
Our underwriters read the file the day it lands. Most operations receive a fully-priced offer the same business day — factor rate, total payback, and the complete payment schedule, in writing, before any signature.
Once you countersign, capital ships from our account to yours — typically within 24 hours. No third-party signatures. No syndication delay. The wire originates from the same desk that approved you.
Operating Standards
The way we operate isn't a marketing line. It's the standard the desk has to clear before a file leaves it.
Your application doesn't bounce. The underwriter who reads page one is the contact who answers the phone six months in.
Factor rate, payback total, and the full debit schedule sit in writing before signature. No back-end pulls at funding.
Most files receive a same-day answer. We don't wait for an outside group to bless the offer — there is no outside group.
Daily, weekly, bi-weekly, monthly. We shape the schedule around the deposit pattern — not the other way around.
If the file doesn't make sense for either of us, we say so on day one. No padded quotes. No quietly throttled offers.
Renewals, restructures, settlement questions — they go to the same line that took the original call. No call center. No tickets.
◆ Five-minute intake · Same-day decision · 24-hour wire
02 · Approach
From intake to final debit, every step of the file lives on one desk. Here is what working with the actual funder of your deal looks like — and why it changes the math.
What sits behind the wire
No two files arrive looking the same — and they shouldn't be priced the same. We read your deposit cadence, monthly volume, existing exposure, and cash conversion cycle before we put a number on the page. The structure follows the operation. Not a template.
Files land directly on the underwriter's queue. There is no intake team, no submission desk, no external syndication call. Most operations have a fully-priced offer in hand within hours of submitting bank statements — and most signed files wire inside 24 hours.
Factor rate, total payback, debit amount, debit frequency, term length, and any holdback — all of it sits in writing before signature. The quote is the contract. We do not pull origination fees at funding, and we do not silently move the schedule after the wire clears.
You speak with the underwriter who priced your file from the first call through final payment. Renewals, restructures, and questions all route to the desk that knows the account — not to a call center reading a script. The phone rings to a person who can act.
Operating Philosophy
— JAGS18 LLC · UNDERWRITING DESK
◆ Same-day pricing · Pricing in writing · 24-hour wire
03 · Programs
Every program below is funded directly by Jags18 LLC. We write what fits the file — and we tell you, on day one, when a program isn't the right call for your operation.
Send the file. Our underwriters read it, identify the structure that fits, and put real options on the page. If we're not the right call for your operation, you'll hear that on day one — with the reason — instead of a stalled file and a polite goodbye.
04 · Qualifications
Credit score is a single line in a longer story. Average monthly deposits, frequency, negative days, and existing exposure carry as much weight on the desk. Here is the honest map of what qualifies — at every profile.
Qualification Tiers
The Full Read
A file is more than a credit number. Here is the full set of inputs that decide what we will write — and at what cost.
The anchor for every file. Depending on tier and program, we generally structure between 75% and 150% of average monthly deposits.
How often deposits land matters as much as the total. Steady daily flow reads materially healthier than sporadic large hits.
Days closing in the red are a real flag. More than five to seven per month sharply reduces both program options and approval ceiling.
Active advances cap what we will write on top. Heavy stacking is the fastest way to narrow program options and elevate risk pricing.
Personal credit shapes program access and pricing — but strong revenue and consistent deposit patterns absorb a lot of credit weakness.
The maximum we will responsibly write given everything combined. We calculate this before structuring so no file is over-leveraged on day one.
◆ Honest read · Real options · Same-day pricing
05 · FAQ
Every question we get more than twice ends up on this page. If yours isn't here, the contact form is two clicks away and it lands on the same desk that funds your file.
Standing File
We underwrite and fund your file from our own balance sheet — and that is the whole answer. The person who quotes the deal is the person who approves it, signs the wire instruction, and answers the phone when you call back. There is no submission desk, no syndication partner, and no third-party check funding your account. One desk owns the file from intake through final payment.
Most files get a same-day decision once your application and three months of business bank statements are in front of us. Once you countersign the agreement, capital typically wires inside 24 hours. The desk is built around your business clock, not ours.
Zero hidden fees. The term sheet shows the factor rate, total payback, debit amount, debit frequency, and term length before any signature is requested. We do not pull origination fees at funding and we do not silently adjust the schedule after the wire clears. The number quoted is the number wired.
The short application and your last three months of business bank statements. That gets the file on the desk. There is no hard credit pull at intake. Depending on program and amount we may ask for a few additional documents — driver's license, voided check, or a quick clarifying call — and we will say exactly what's needed before we ask for it.
Yes. Stacked files are a regular part of our deal flow. Depending on monthly revenue, current exposure, and deposit pattern, we can sometimes consolidate active positions into a single schedule — or write new capital alongside what's there. We will read the full picture and put honest options in front of you, even if the answer is "wait six weeks."
Often, yes. Many files start in short-term capital and move into monthly programs — and a smaller cohort eventually into asset-backed revolving lines. We will map a realistic path from where the operation sits to where it's headed and tell you, plainly, what has to change in the file to get there.
Generally six months in operation, $15,000+ in monthly business revenue, and an active business bank account. FICO matters but isn't decisive — strong, consistent deposits absorb a lot. Send the file and we will tell you, in writing, exactly where you stand.
The same team that wrote the file. We do not disappear once the wire clears. Renewals, restructures, payoff math, schedule questions, settlement requests — all of it routes to the underwriter who knows your account. One number, one team, no ticket queue.
We don't write them and we don't broker them. Jags18 LLC funds merchant cash advances and revenue-based financing directly. If your operation is fully bankable and needs a long-amortizing SBA structure, your bank is the right call — not us. We will say that plainly if the file points that direction.
Question not covered? Ask. You get a straight answer.
Contact The Desk06 · Apply
Send the application and three months of business bank statements. Files that arrive before noon EST typically receive a written offer the same business day.
Thank you. Our underwriting desk will review your application and reach out within one business day.
07 · Legal
How we collect, use, and protect the information you share with Jags18 LLC.
Your privacy is important to us. This Privacy Policy explains how Jags18 LLC ("we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit our website ("Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.
SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared.
We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.
PII may include but is not limited to your name, business name, email address, postal address, phone number, business bank statements, and any other information you voluntarily provide to us as part of an application or inquiry.
Non-PII may include technical information such as your IP address, browser type, device information, referral source, and Site usage data.
We use the information we collect for the following purposes, including but not limited to:
We do not sell information you provide to us under any circumstance.
We implement reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.
We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools and form-handling providers. These third parties operate under their own privacy policies governing the information they collect.
Our Site may use cookies and similar technologies to enhance your experience, analyze usage patterns, and remember basic session preferences. You can manage your cookie preferences through your browser settings.
Our Site may contain links to websites that are not operated by us. We are not responsible for the privacy practices of those sites, and we encourage you to review their respective privacy policies.
Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from anyone under 18. If you are under 18, please do not use our services or provide any information on our Site.
We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date noted below. We recommend reviewing this page periodically. Your continued use of the Site or services after any modifications will signify your acceptance of the updated Privacy Policy.
Jags18 LLC
1930 East 19 Street
Brooklyn, NY 11229
Email: info@jags18llc.com
08 · Legal
Please read these terms carefully before using our Site or submitting an application.
Welcome to Jags18 LLC. These Terms and Conditions govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.
(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.
(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.
(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.
(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.
(a) All content on this website, including but not limited to text, graphics, logos, images, and design elements, is the property of Jags18 LLC and is protected by copyright and other intellectual property laws.
(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.
(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.
(b) We do not share or sell your personal information to third parties.
(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.
(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.
Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.
To the extent permitted by law, Jags18 LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.
You agree to indemnify and hold harmless Jags18 LLC, its officers, directors, employees, and affiliates, from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in Kings County, New York.
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.
If you have any questions or concerns about these Terms and Conditions, please contact us at info@jags18llc.com.
By accessing or using our services, including receiving SMS communications from Jags18 LLC, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our SMS services.
We collect a single consent for SMS communications, through one dedicated checkbox on our website application form:
This consent applies only to Jags18 LLC and only to customer care and account-related messages. We do not send marketing or promotional text messages, and we do not collect consent for them. Consent is entirely optional and is not a condition of applying or of receiving funding. Information obtained as part of the SMS consent process will not be shared with third parties.
Customer care (informational) messages — sent only if you checked the SMS consent box:
Example message: “Jags18 LLC: We received your funding application. Our underwriting desk will reach out within one business day. Reply STOP to opt out, HELP for help.”
We send no marketing, promotional, or solicitation messages of any kind, and we never message anyone who has not applied through our own form and opted in.
You may opt in to customer care SMS messages by checking the SMS consent checkbox on our website application form. The checkbox is unchecked by default and is not required in order to submit the form.
09 · Transparency
You should know exactly what a deal costs before you sign one. Here is a clean breakdown of our products, our pricing ranges, and the regulatory frame they sit inside.
Jags18 LLC funds revenue-based and merchant cash advance products directly from our own balance sheet. We do not broker SBA loans, we do not refer files to bank lenders, we do not shop your application to third-party syndicators, and we do not earn referral fees.
If your operation needs a long-amortizing bank product, your bank is the right call — not us. We will say that, plainly, if the file points that direction.
All transactions are subject to in-house underwriting review and approval. Not all applicants will qualify. Final pricing and term length are determined by file-level underwriting and depend on factors including but not limited to monthly revenue, deposit frequency, negative-balance days, time in business, existing exposure, and credit profile.
Jags18 LLC does not guarantee approval, pricing, or term length to any applicant prior to underwriting review. Quoted offers are valid for the period stated on the term sheet and are subject to standard documentary verification before funding.
For questions about any rate, fee, or disclosure on this page, please contact us at info@jags18llc.com.