Merchant Cash Advance for Small Businesses
Fast, flexible funding based on your future sales — repay as you earn with no fixed monthly payments and no collateral required.
MCA Highlights
Funded in 24 Hours
Quick approvals and same or next day funding for qualified applicants
$5K – $500K
Advances sized based on your monthly revenue and processing volume
Flexible Repayment
Pay back a fixed percentage of daily/weekly sales — slower when revenue is slow
Minimal Paperwork
3–6 months of bank statements typically all that’s needed to apply
How a Merchant Cash Advance Works
An MCA is a purchase of your future receivables, not a traditional loan.
💵 You Receive
A lump sum deposited directly into your business bank account, typically within 24 hours of approval.
🔄 You Repay
A small percentage of daily or weekly revenue is automatically remitted until the full agreed-upon amount is repaid.
🎯 Factor Rate
Instead of an interest rate, MCAs use a factor rate (e.g., 1.2–1.5x) applied to the advance amount to calculate total repayment.
General Qualification Guidelines
Business Requirements
- 3+ months in business
- $10,000+ in monthly revenue
- Active business bank account
- 3–6 months of bank statements
Credit Profile
- All credit scores considered
- Revenue and cash flow are primary drivers
- No hard credit pull for pre-qualification
- Prior bankruptcies may still qualify
Ready to Access Capital Fast?
Submit your business information and we’ll match you with the right merchant cash advance option for your needs.
Business-purpose lending only. Not a bank. Not a direct lender. NMLS #2484887.