Abstract: A payment processing method and apparatus with advanced funds are disclosed. In one embodiment, the method comprises generating, using a revenue forecasting engine of a payment processing system, a probabilistic forecast of revenue for a plurality of merchants for a period of time in the future; determining, using a pricing engine of the payment processing system, one or more potential cash advances for each of the plurality of merchants; automatically generating one or more offers for advances for each of the plurality of merchants; and electronically sending a notification containing the one or more offers to the plurality of merchants for display on a graphical user interface (GUI) with information about availability of an advance and terms to enable selection of at least one of the one or more offers; .