Merchant Cash Advances

Fast, Flexible Funding When You Need It Most

When opportunity (or an unexpected expense) comes up, waiting weeks for a bank loan isn’t an option. A Merchant Cash Advance (MCA) gives you quick access to working capital, based on your business’s revenue — not just your credit score.

  • Funding in as little as 24–48 hours

  • No collateral required

  • Flexible repayments tied to your sales

    • Apply Online in Minutes – Complete a quick application with your business details (no lengthy paperwork).

    • Fast Review – Our team reviews your revenue and cash flow, not just your credit score.

    • Get Approved Quickly – Most businesses receive approval in 24–48 hours.

    • Receive Funds – Capital is deposited directly into your account, ready to use immediately.

    • Repay with Flexibility – Payments are tied to your sales, so they adjust as your revenue goes up or down.

  • When time is critical, waiting on traditional banks isn’t an option. Our streamlined process gets you from application to approval in as little as 24–48 hours, so you can access the working capital you need without delays.

  • We focus on your business performance, not just your credit score. Even if you’ve faced challenges in the past, you can still qualify for funding based on your sales and revenue—not a perfect financial history.

  • Repayments are tied to your daily or weekly sales, so when business slows down, your payments do too. This built-in flexibility means your cash flow isn’t strained during slower periods.

  • Whether you need to cover payroll, purchase inventory, manage seasonal dips, or seize a growth opportunity, the funds are yours to use as you see fit. No restrictions, no micromanagement—just capital for your business.

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Merchant Cash Advance (MCA)-FAQ’s

  • A Merchant Cash Advance isn’t a loan — it’s an advance against your future sales. You receive a lump sum of working capital upfront, and repayment happens automatically as a percentage of your daily or weekly revenue. This means payments flex with your sales, making it easier to manage cash flow.

  • One of the biggest advantages of an MCA is speed. Once you apply and provide basic revenue documentation, many businesses are approved and funded within 24–48 hours.

  • No. Unlike traditional loans, approval for an MCA is based primarily on your business’s revenue and sales consistency. That means even if your credit score isn’t ideal, you may still qualify.

  • You can use the advance for almost any business expense, including:

    • Covering payroll

    • Purchasing inventory

    • Handling unexpected expenses

    • Managing seasonal dips in cash flow

    • Investing in short-term growth opportunities

  • Repayments are tied directly to your sales. A fixed percentage of your daily or weekly transactions goes toward repaying the advance. When sales are high, you pay more; when sales slow down, you pay less. This flexibility helps reduce pressure during slower months.

  • No. MCAs are unsecured, which means you don’t need to put up business or personal assets to qualify.

  • A loan typically has fixed monthly payments and requires strong credit history and collateral. An MCA, on the other hand, is based on your future revenue, has flexible repayment tied to sales, and can fund much faster — making it ideal for short-term needs.

  • Like any funding product, an MCA may not be right for everyone. The cost of capital (factor rate) is often higher than a traditional loan, so it’s best suited for short-term needs where speed and flexibility matter most. If you’re planning a long-term investment, another product (like a Business Term Loan) may be a better fit.

  • Unlike traditional loans that use an interest rate, Merchant Cash Advances (MCAs) use a factor rate to determine the total payback amount.

    Here’s a simple example:

    • You’re approved for $50,000 with a factor rate of 1.3

    • Multiply the advance by the factor rate: $50,000 × 1.3 = $65,000

    • This means you’ll repay $65,000 total, over time, through a percentage of your daily or weekly sales.

    Repayments automatically adjust with your revenue — so if sales are strong, you pay it off faster; if sales dip, it stretches out a little longer.

Still Have Questions?

Every business is different, and the right funding option depends on your revenue, cash flow, and goals. The best way to see exactly what’s available to you is to apply — it only takes a few minutes and you’ll get personalized offers.


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— Apply online in minutes to view your specific funding terms

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— Want help making sense of your options? Schedule a quick call or drop us an email to get clarity from a real person.