Merchant Cash Advance
Merchant Cash Advance Funding
Need funding fast? Cash advances provide flexible, same-day
business lending solutions to help cover daily expenses, manage
cash flow, and seize growth opportunities without the wait.
Funding Amounts
Up to $2,000,000
Repayment Terms
4 - 15 months
Timeline to Funding
Same day funding
What Is Merchant Cash
Advance Funding?
A merchant cash advance provides fast business funding by giving you upfront cash in exchange for a percentage of your future sales. Unlike traditional loans, an MCA offers flexible approval criteria with no collateral requirements, making it an ideal solution for businesses with challenged credit or those in need of immediate working capital without the red tape.
Best Ways To Utilize Merchant Cash
Advance Business Funding.
From handling unexpected expenses to expanding your business, a small business cash advance loan is a fast and practical way to access working capital. Whether it’s managing payroll, purchasing inventory, or covering operational costs, MCA funding helps bridge cash flow gaps with same-day availability.
Day-to-Day Operations
For the everyday things that keep your business's lights on ⎻ even the lights themselves.
Purchase Inventory
Every business needs a product to sell. For when yours starts to get a little too low..
Marketing or Advertising
Because you have an invaluable service to provide and the whole world should know it.
Managing Cash Flow
Managing the ebbs and flows and ups and downs is a reality every business owner knows.
Covering Payroll Costs
When payday conveniently falls on the same day an opportunity of a lifetime presents itself.
Project or Job Supplies
While you're still waiting to get paid for the last job, but need the capital start on the next one.
Unexpected Expenses
It happens to the best of us. For those things, good and bad, that you just never see coming.
Any Short-Term Need
Any situation that you wouldn't want to still be paying for in 1+ years from now.
Unsure if it's a fit? Check out the funding product use case evaluation for guidance,
or schedule a complementary funding consultation to discuss your specific needs.
The Key Benefits Of Merchant
Cash Advance Funding.
A merchant cash advance offers an ideal alternative to traditional lending for small businesses needing immediate funding. With quick approvals, no fixed monthly payments, and repayment based on sales, it’s a solution that aligns with your business’s cash flow cycle.
Fast Access To Funding
Get approved and funded in as little as 24 hours, providing immediate relief and helping you seize new opportunities without delay. Quick funding ensures your business stays agile and ready to tackle any financial challenge.
Check if your business is eligible.
Low Qualification Requirements
No need for perfect credit or collateral—approval is based primarily on your business’s revenue and cash flow history. This makes it a practical option for businesses that might struggle with traditional loan qualifications.
Flexible Repayment Terms
Repay your advance through a percentage of your daily sales, making it easier to manage during slow periods and busier seasons. This means payments naturally adjust to your business’s cash flow without added pressure.
No Pre-Payment Penalties
Pay off your MCA early without any additional fees, giving you the freedom to clear your balance whenever it makes sense for your business. Early repayment within the first 3 calendar months will help you save substantially on the payback.
Find out your business' FUNDABILITY score
How To Qualify For Merchant Cash
Advance Funding For Your Business.
Qualifying for a merchant cash advance is simple, focusing on your daily sales rather than your credit score. If your
business processes regular credit card transactions or bank deposits, you could be approved for funding within hours.
Minimum Revenue
Minimum of $20,000 average monthly revenue
Minimum Time in Business
Minimum time in business of at least 6 months or longer
Minimum Credit Score
Minimum personal credit score of 450 or higher
Clean Payment History
No defaults on previous fundings or recent judgements
Find out how much funding your business is eligible for.
Applying For Merchant Cash Advance Funds.
Getting started with merchant cash advance funding for your business is a simple, straightforward process. With minimal paperwork and quick approvals, you’ll have the funds you need deposited directly into your business account in just a few hours.
Step 1: Complete Your Application
Fill out our quick online form with basic business details and recent business bank statements.
Step 2: Get Approved For Funding
Our team will review your submission and provide tailored funding options to suit your needs.
Step 3: Receive Your Funds Fast
Your business will receive funds in as little as 24-hours to help you manage cash flow and grow.
Ready To Secure Your
Merchant Cash Advance?
Getting the funds you need to keep your business running smoothly shouldn’t be complicated. Our hassle-free application process makes it easy to access the funding you need—fast. Whether you need cash to cover day-to-day operations, or take advantage of the opportunity of a lifetime, we’ll guide you every step of the way to secure the right financing solution for you.
Still have questions? Check out our FAQs below or speak with a funding specialist.
You can receive funding in only a matter of hours. We understand time is of the essence when it comes to funding your business. Our fast business funding process guarantees not to waste any of yours. From the time your application and documents are submitted, you can receive an offer as soon as 1-hour from then, and once the terms are accepted, funding typically happens 1-2 hours after. Depending on the time of day, the whole process can be completed in as little as 3 hours.
Unlike traditional loans, merchant cash advances provide quicker approvals and repayment based on entirely on your daily sales, rather than keeping your business chained to a fixed monthly payment, making them ideal for businesses with fluctuating revenue, as they provide a safeguard from anything unexpected that life throws your way.
Absolutely! Unlike traditional loans, there are no restrictions on how you choose to use the proceeds from an MCA. Whether you need to cover payroll, purchase inventory, or handle unexpected costs, a merchant cash advance offers flexible working capital solutions tailored to your business.
Yes! MCA funding is primarily based on your revenue, not your credit score. As long as your business processes regular transactions with some degree of consistency, you can qualify for funding with very minimal requirements.
Yes, MCAs are tailor-made for your business! The are an excellent solution for any businesses facing seasonal slowdowns or unexpected expenses, offering quick relief without the hassle of traditional loans, and financial protection from all things unknown.
Merchant Cash
Advance Frequently
Asked Questions.
Not sure if an MCA is right for you? We've got the answers to the questions that you want to know most, so you can make an educated decision whether this funding option is the right fit for your business. Check out our FAQs for all the insights you need.
Not quite the right fit for your business?
Explore these other funding options.
Cash Flow Funding
Business Line of Credit
Working Capital
View All Options
Or schedule a funding consultation for a complimentary business funding analysis.