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BreadRoute Review
PIRS
4.0Our PIRS Review
PIRS Capital is a Miami Beach-based nonbank lender founded in 2012, offering merchant cash advances and working capital products to small businesses across the United States. Advances go up to $1 million, with a minimum monthly revenue of $15,000 and at least one year in business required — no minimum credit score applies, making it accessible to owners with thin or imperfect credit histories. PIRS uses a manual underwriting process backed by tech-enabled tools and offers same-day funding. With over a decade of operating history and a strong reputation among the businesses it serves, PIRS appears well suited for established small businesses needing fast working capital who may not qualify through traditional bank channels.
Who Is PIRS Best For?
Based on eligibility requirements and available products.
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
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Quick Overview
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Other Nonbank Lender lenders
PIRS Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
Cons
- Requires $15,000+ in monthly revenue
Frequently Asked Questions
PIRS offers financing in the range of Up to $1 Million.
PIRS typically requires a minimum credit score of No Minimum Credit Score. Businesses with scores above this threshold are more likely to qualify for favorable terms.
PIRS offers the following financing products: Merchant Cash Advance.
PIRS requires a minimum of 1 Year in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
PIRS provides financing to businesses across the United States.
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