Merchant Cash Advance for Small Businesses
Fast, flexible funding based on your future sales — repay as a share of your sales, typically with no fixed monthly payment and often no collateral required. Terms, timelines and eligibility vary by provider.
- Fast Funding Decisions
- Sales-Based Remittance
- Often No Collateral
- Many Credit Profiles Considered
MCA Highlights
Fast Funding
Funding timelines and eligibility vary by provider; some qualified applicants are funded within a few business days
$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, often within a few business days of approval, depending on the provider.
🔄 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
- A range of credit profiles considered
- Revenue and cash flow are primary drivers
- No hard credit pull for pre-qualification
- Prior bankruptcies may still qualify
Explore Other Business Funding Options
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. .