Merchant Cash Advance
Fast Capital, Based on Your Revenue
A merchant cash advance gives you upfront capital in exchange for a percentage of your future sales. No fixed monthly payments, no collateral, and funding in as little as 24 hours.
$10K - $2M
Advance Amount
Same day
Approval Time
24-48 hours
Funding Speed
500+ minimum
Credit Score
6+ months
Time in Business
Not required
Collateral
Why MCA
Why Businesses Choose Cash Advances.
When you need capital fast and want repayment that moves with your revenue, an MCA is the right fit.
Funded in 24-48 Hours
Once approved, capital hits your account fast. No waiting weeks for committee reviews or board approvals. We move at the speed your business needs.
Flexible Repayment
Repayment is tied to your daily credit card sales or revenue. When business is slow, you pay less. When it picks up, you pay more. It adjusts with you.
No Collateral Required
Your future revenue is the basis for the advance. No need to put up property, equipment, or personal assets. Your business performance is what matters.
Simple Application
No mountains of paperwork. We need a few months of bank statements and basic business info. Most applications are reviewed and approved the same day.
Who This Is For
Who Benefits from an MCA.
Restaurants and Food Service
High daily transaction volume makes restaurants a natural fit for merchant cash advances. Seasonal swings in foot traffic mean fixed monthly payments can be a burden, but percentage-based repayment adjusts automatically when business slows down after the holiday rush or picks up during summer patio season.
Retail Stores
Whether you run a boutique, a convenience store, or a specialty shop, inventory is the lifeblood of your business. An MCA lets you stock up before peak seasons, take advantage of supplier discounts on bulk orders, or refresh your product mix without draining your operating cash.
Auto Repair and Service Shops
Equipment breaks down, lifts need replacing, and diagnostic tools get outdated. Auto shops often need capital quickly to keep bays running. An MCA works well here because your revenue is steady but your expenses can spike without warning.
Medical and Dental Practices
Practices that process a high volume of patient payments can use an MCA to upgrade equipment, expand office space, or bridge gaps between insurance reimbursements. The flexible repayment structure means your practice is not locked into rigid payments during slower months.
E-Commerce Businesses
Online sellers face constant pressure to invest in inventory, advertising, and fulfillment. An MCA tied to your revenue gives you the flexibility to scale up ad spend or restock a best-selling product line without waiting for a traditional lender to process your application.
Seasonal Businesses
Landscapers, event venues, tourism operators, and other seasonal businesses earn most of their revenue in a compressed window. An MCA lets you invest in equipment or marketing before the season starts, and the revenue-based repayment means you are not making large payments during your off months.
How It Works
From Application to Funded.
Quick Application
Fill out our short online application. We need basic business details and a few months of bank statements to get started.
Same-Day Review
Our team reviews your application and revenue history. Most businesses hear back with an offer the same business day.
Accept Your Terms
We present a clear offer with the advance amount, factor rate, and repayment terms. No hidden fees, no surprises.
Get Funded
Once you sign, funds are deposited directly into your business account within 24-48 hours. Start using the capital immediately.
What You Should Know
Understanding Merchant Cash Advances.
How MCA Pricing Works
A merchant cash advance is not technically a loan, and that distinction matters. With a traditional loan, you borrow a fixed amount and pay it back with interest over a set period. With an MCA, you receive a lump sum of capital in exchange for a percentage of your future sales.
The cost is expressed as a factor rate, typically ranging from 1.1 to 1.5, rather than an annual percentage rate. So if you receive $100,000 with a factor rate of 1.3, you will repay a total of $130,000.
The total cost is fixed from day one, which means there is no compounding interest and no penalty for repaying quickly. That said, factor rates can translate to a higher effective cost than traditional loans, so it is important to understand exactly what you are agreeing to before signing.
How Repayment Works
Repayment is where an MCA really differs from conventional financing. Instead of a fixed monthly payment, a small percentage of your daily credit card receipts or bank deposits is automatically collected. This percentage, called the holdback or retrieval rate, usually falls between 10% and 20% of daily revenue.
On a strong sales day, you pay more. On a slow day, you pay less. This structure is particularly valuable for businesses with fluctuating revenue because it prevents the cash flow crunch that can happen when a fixed loan payment comes due during a down period. Your repayment naturally adjusts to the rhythm of your business, which is why many business owners prefer this model even when the overall cost is somewhat higher than a term loan.
When an MCA Makes Sense
An MCA tends to make the most sense in situations like these:
- • You need capital fast and cannot wait for traditional lending timelines
- • Your credit history makes conventional loans difficult to obtain
- • Your revenue fluctuates enough that fixed payments feel risky
It is not the cheapest form of financing available, and we are upfront about that. But for a business that needs $50,000 in 48 hours to take advantage of a bulk purchasing opportunity, or a restaurant that needs to replace a walk-in cooler before the weekend, the speed and flexibility of an MCA can more than justify the cost.
The key is making sure the capital you receive will generate enough additional revenue to comfortably cover the repayment. Our team walks through the numbers with every applicant so there are no surprises.
Common Questions
MCA FAQs.
A merchant cash advance is a purchase of your future receivables, not a loan. You receive capital upfront and repay it through a percentage of your daily sales. There are no fixed monthly payments, no interest rate, and no set repayment date. The cost is determined by a factor rate applied to your advance amount. This structure means your payments flex with your revenue instead of staying the same regardless of how your business is performing.
A factor rate is a multiplier applied to the amount you receive. For example, a $50,000 advance with a 1.25 factor rate means you repay $62,500 total. Factor rates typically range from 1.1 to 1.5 depending on your business profile, revenue consistency, and time in business. Unlike interest on a loan, the total repayment amount is fixed from the start. You will never owe more than the agreed total, and paying it off faster does not reduce the total cost, but it does free up your cash flow sooner.
The holdback rate, which is the percentage of daily revenue collected for repayment, generally falls between 10% and 20%. The exact rate depends on your advance amount, factor rate, and average monthly revenue. We structure the holdback so your business retains enough daily cash flow to cover operating expenses comfortably. If your sales dip on a given day, the dollar amount collected drops proportionally.
Yes. Because an MCA is based on your revenue rather than your credit score, we approve many business owners with credit scores as low as 500. What matters most is that your business generates consistent daily or weekly revenue. We look at your bank statements and sales history rather than relying solely on a credit report. That said, a stronger credit profile may qualify you for better factor rates.
Most merchant cash advances are funded within 24 to 48 hours after approval. The application itself takes about 10 minutes, and we typically review and present an offer the same business day. Once you accept the terms and sign, the funds are deposited directly into your business bank account. In urgent situations, same-day funding may be available depending on the time of your approval.
In many cases, yes. Once you have repaid a significant portion of your current advance, typically 50% or more, you may qualify for a renewal or a second position advance. We evaluate your current repayment performance and revenue trajectory to determine eligibility. Stacking multiple advances requires careful consideration because the combined holdback percentage needs to remain manageable for your cash flow.
Get Capital Working
for Your Business
Apply in minutes and get funded in as little as 24 hours. No collateral, no hassle.
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