Merchant Cash-Advance
Unlock Immediate Working Capital Based
on Your Future Sales
Get a lump sum of cash in exchange for a percentage of your future sales. Cash repayment is made via a percentage of your daily or weekly sales.
Merchant Cash-Advance
A Merchant Cash Advance (MCA) is not a traditional loan. Instead, it is an advance based on your business’s future revenue.
You receive a lump sum of capital upfront, and repayment is made through a percentage of your daily, weekly, or even monthly sales.
This makes it an ideal solution for business owner’s that:
Have consistent revenue, and looking to expand
May not qualify for traditional bank loans
Flexible repayments based on business performance
Bridge cash flow gaps between projects
How It Works
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‣
‣
‣
Apply
Complete our secure online application in minutes
Get Approved
Review business financials, and receive decision within 24-48 hours
Receive Funds
Get Funded in as little as 24-48 hours.
Repay As You Earn
Payments are automatically deducted, based on your business revenue.
Minimum Requirements
✓
✓
✓
At least 1 year in business
Active business checking account
Minimum 500+ Credit Score
Merchant Cash-Advance
Unlock Immediate Working Capital Based
on Your Future Sales
Get a lump sum of cash in exchange for a percentage of your future sales. Cash repayment is made via a percentage of your daily or weekly sales.
Merchant Cash-Advance
A Merchant Cash Advance (MCA) is not a traditional loan. Instead, it is an advance based on your business’s future revenue.
You receive a lump sum of capital upfront, and repayment is made through a percentage of your daily, weekly, or even monthly sales.
Minimum Requirements
✓
At least 1 year in business
✓
Active business checking account
✓
Minimum 500+ Credit Score
How It Works
Apply
Complete our secure online application in minutes
‣
Get Approved
Review business financials, and receive decision within 24-48 hours
‣
Receive Funds
Get Funded in as little as 24-48 hours.
‣
Repay As You Earn
Payments are automatically deducted, based on your business revenue.
‣
This makes it an ideal solution for business owner’s that:
Have consistent revenue, and looking to expand
May not qualify for traditional bank loans
Flexible repayments based on business performance
Bridge cash flow gaps between projects
Merchant Cash-Advance
Get a lump sum of cash in exchange for a percentage of your future sales. Unlike a traditional business loan, repayment is made through a portion of your daily or weekly revenue, making it a flexible option for businesses that need fast access to capital.
What is a Merchant Cash Advance?
A Merchant Cash Advance, or MCA, provides quick access to working capital by advancing funds based on your future business revenue. Instead of fixed monthly loan payments, repayment is typically collected as a percentage of your ongoing sales, which can make it easier for some businesses to manage during slower and stronger revenue periods.
MCA vs. Business Loan: Key Differences
- ✓Quick funding, often much faster than traditional lending.
- ✓Repayment is based on a percentage of future sales or receivables.
- ✓Approval may place more weight on revenue performance than strict bank-style underwriting.
- ✓Can be useful for businesses needing speed, flexibility, and short-term working capital.
- ✓Approval and funding process may take longer depending on the lender and documentation required.
- ✓Repayment is usually structured as fixed scheduled payments.
- ✓Approval often depends more heavily on credit profile, time in business, and financial statements.
- ✓Often better suited for longer-term financing needs and more traditional lending scenarios.
Advantages of a Merchant Cash Advance
Quick Access to Funds
Businesses that need working capital quickly may benefit from a funding option designed for faster decisions and quicker access to capital.
Flexible Repayment
Because repayment is tied to sales volume, some businesses prefer the flexibility compared with fixed payment structures.
Minimal Requirements
MCA programs may offer a simpler process for businesses that do not meet every requirement of traditional bank financing.
Sales-Based Funding
Funding can be structured around business receivables and revenue performance, which may help merchants access capital based on current sales activity.