A Merchant Cash Advance (MCA) is a financing solution that provides businesses with upfront capital in exchange for a percentage of future credit card sales. It's not a loan - it's a purchase of your future receivables.
Submit your application with basic business information and bank statements
We analyze your credit card sales and cash flow to determine eligibility
Receive approval and terms based on your sales volume and business performance
Get your advance within 24 hours via direct deposit to your business account
Funding in as little as 24 hours from approval
Unsecured financing based on sales performance
Payments adjust with your sales volume
Some advances can help improve business credit
A percentage of your daily credit card sales is automatically collected until the advance is repaid.
Typically 10-20% of credit card sales, adjusting with your business volume.
Payments fluctuate with your sales - pay more when busy, less when slow.
$50,000 advance with 15% collection rate means $150 collected for every $1,000 in credit card sales.
Get the cash flow your business needs to grow, without the hassle of traditional loans.
Merchant Cash Advances are ideal for businesses with consistent credit card sales that need quick access to working capital.
Perfect for stores, online shops, and retail businesses with high credit card transaction volumes.
Ideal for restaurants, cafes, and food service businesses with regular card payments.
Great for service-based businesses that accept credit card payments from customers.
Simple requirements focused on your business performance rather than perfect credit
3+ Months
Minimum operating history
$10K+
In credit card sales
500+
Lower scores considered
Business
Dedicated business account
Stock up for busy seasons or take advantage of supplier discounts
Replace or upgrade essential business equipment
Launch advertising campaigns to drive more sales
Bridge cash flow gaps during slow periods
24-48 hour funding vs weeks for traditional loans
85%+ approval rate with flexible credit requirements
Minimal paperwork - no business plans or projections
Payments adjust with your business volume
Get answers to the most frequently asked questions about Merchant Cash Advances
Most merchants receive funding within 24-48 hours of approval. The application process is typically completed within a few hours, and once approved, funds are deposited directly into your business bank account.
Merchant Cash Advances focus primarily on your business's credit card sales performance rather than personal credit scores. We can work with credit scores as low as 500, and many merchants with imperfect credit get approved based on their sales volume.
Advance amounts typically range from $10,000 to $2,000,000, depending on your monthly credit card sales volume. Generally, you can qualify for 1-2 times your average monthly sales volume.
You'll need 3-6 months of bank statements, processing statements showing credit card sales, a valid ID, and basic business information. No tax returns, business plans, or collateral documentation required.
A pre-agreed percentage (typically 10-20%) of your daily credit card sales is automatically collected by your processor until the advance plus fees are fully repaid. If sales are slow, less is collected; if sales are strong, more is collected.
Yes, many merchants are eligible for additional advances once they've repaid 50-70% of their current advance, depending on their payment history and sales performance.
MCAs use a factor rate (typically 1.1 to 1.5) rather than traditional interest rates. For example, with a 1.3 factor rate on a $100,000 advance, you would repay $130,000 total. The effective cost depends on how quickly you repay based on your sales volume.
Join thousands of businesses that have funded their growth with our Merchant Cash Advance program.
Secure application • No obligation • Quick approval