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Fast & Flexible

Merchant Cash Advance

Access working capital based on your future sales. Flexible repayments that adjust with your revenue — ideal for businesses with variable income.

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Funding Amount
$5,000 – $2,000,000
Funding Speed
Same Day – 24 hrs
Min. Revenue
$10K/mo
Collateral
Not Required
What Is It?

How a Merchant Cash Advance Works

A Merchant Cash Advance (MCA) is a funding product where you receive a lump sum of capital in exchange for a percentage of your future business revenue. It is not a loan — it is a purchase of future receivables.

Repayment is made as a small daily or weekly withdrawal from your bank account, or as a percentage of your daily card sales. When your business earns more, you pay back more. When revenue slows, your payments naturally decrease (with split percentage repayment).

The Cost: Factor Rate

MCAs are priced using a factor rate, not an interest rate. A typical factor rate ranges from 1.10 to 1.50. If you receive $100,000 at a 1.30 factor rate, your total repayment is $130,000.

Approved clients often receive funding the same day their paperwork is completed.

Common Use Cases
Inventory purchasePayrollSeasonal ramp-upMarketing campaignsEquipment repairsExpansionBridge funding
Why Choose This
  • ✓No fixed monthly payments
  • ✓Revenue-based repayment available
  • ✓Fast approval — often same day
  • ✓Bad credit not an automatic disqualifier
  • ✓No collateral required
  • ✓Renewal funding available
FAQ

Common Questions

Most businesses with at least 6 months of operating history and $10,000+ in monthly revenue can qualify. We look primarily at your revenue history, not your credit score.
Typical repayment terms range from 3 to 18 months depending on your advance amount and repayment pace.
This is called stacking and we generally recommend against it as it can strain cash flow. We prefer to offer renewals or increases on existing advances.

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