Merchant Cash Advance
Get an advance on your future sales with flexible repayment tied to your daily revenue. Ideal for businesses with strong card sales.
93%
Approval Rate
Same Day
Avg. Time to Fund
None
Min Credit Score
78%
Renewal Rate
Overview
A Merchant Cash Advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future credit card sales or daily bank deposits. This product is designed for businesses that need fast funding without the rigid structure of a traditional loan. Repayment automatically adjusts based on your sales volume, so you pay more when business is good and less during slower periods. MCAs are one of the fastest funding products available -- many businesses receive funds within 24 hours of approval. Because qualification is based primarily on revenue rather than credit score, MCAs are accessible to a wider range of businesses than traditional financing.
Key Benefits
Who Is This Ideal For?
- 1Businesses that need capital urgently and cannot wait weeks for bank approval
- 2Companies with strong daily sales but lower credit scores
- 3Seasonal businesses that want payments to drop during slow periods
- 4Owners who prefer not to pledge collateral or personal guarantees
- 5Businesses with prior bank loan denials looking for alternative funding
Real-World Use Cases
A restaurant owner needs $75,000 to renovate the kitchen before the busy season starts in 3 weeks
A retail store wants $40,000 to stock up on trending inventory while a supplier deal is still available
An auto repair shop needs $25,000 for an emergency equipment replacement to stay operational
A salon owner draws $50,000 to open a second location while the first location is thriving
A medical practice needs $100,000 for new diagnostic equipment to attract more patients
A gym needs $30,000 to launch a marketing campaign before the January rush
Quick Facts
Funding Range
$5,000 - $2,000,000
Funding Speed
Same Day
Term Length
3 - 18 months (estimated based on sales volume)
No obligation. Free consultation.
Upload Documents
Optional -- speed up your application by preparing these documents.
Bank Statements
Last 3 months of business bank statements
Driver's License
Valid government-issued photo ID
Voided Check
Voided check from your business account
How to Qualify
- 1Minimum 4 months in business
- 2Monthly revenue of $8,000+
- 3No minimum credit score required
- 4Consistent daily deposits in business checking account
- 5No open bankruptcies
Industries We Serve
The Process
How Merchant Cash Advance Works
Our streamlined process gets you from application to funded as quickly as possible.
Quick Application
Apply online in minutes. We need basic business info, 3 months of bank statements, and a valid ID. No lengthy business plans or financial projections required.
Same-Day Approval
Our underwriting team reviews your revenue patterns and provides an approval decision, often within the same business day. You will receive your offer with the advance amount and factor rate.
Accept Your Offer
Review the total payback amount, holdback percentage, and estimated repayment timeline. Your advisor ensures you understand every term before you sign.
Receive Funds & Start Repaying
Funds hit your account within 24-48 hours. A small fixed percentage of your daily sales is automatically remitted until the advance is repaid -- no manual payments needed.
Get Started
How to Apply
Follow these simple steps to begin your funding journey.
Apply in Under 5 Minutes
Fill out our simple online form with your business name, monthly revenue, desired amount, and intended use. Upload 3 months of bank statements.
Get Approved in Hours
Our team reviews your revenue patterns (not just your credit score) and provides a decision within a few hours, often the same day.
Review Your Terms
Receive your offer detailing the advance amount, factor rate, holdback percentage, and estimated payback timeline. Call your advisor with any questions.
Funded in 24-48 Hours
Sign your agreement electronically, and funds are wired directly to your business checking account, typically within one to two business days.
Honest Assessment
Pros & Cons
We believe in full transparency. Here is an honest look at the advantages and limitations.
Advantages
- Fastest funding available -- often within 24 hours
- No minimum credit score requirement
- Payments flex with your revenue (lower when sales are slow)
- No collateral or personal guarantee required
- Very high approval rates for revenue-qualifying businesses
Considerations
- Higher total cost of capital compared to traditional loans
- Daily or weekly repayment can impact cash flow
- Factor rates can be confusing without proper explanation
- Not ideal for businesses with very thin margins
Common Questions
Merchant Cash Advance FAQ
Get answers to the most frequently asked questions about this funding product.