Merchant Cash Advance
A lump sum today in exchange for a flexible share of your future card sales — you pay more on strong days, less on slow ones.
What It Is
An overview of merchant cash advance
A merchant cash advance provides capital up front in exchange for a fixed percentage of your future card and debit sales. Rather than a rigid monthly payment, repayment flexes automatically with your daily revenue — you remit more on busy days and less on quiet ones.
Because repayment tracks your sales, an MCA is built for businesses with steady card volume that value flexibility and speed over the lowest possible cost. It carries the most lenient approval requirements of any product we offer.
Best For
When this is the right fit
- High card-volume businesses like restaurants, salons, and retail
- Operators who want repayment that flexes with daily sales
- Businesses needing fast capital with minimal paperwork
- Owners with imperfect credit but strong, consistent sales
How It Works
From application to funded
Apply with your sales history
Submit a short application and a few months of card-processing or bank statements.
Get approved quickly
Approval rests on your sales volume, so decisions come fast — often within a day.
Receive your advance
Funds typically arrive the next business day, ready to put to work.
Repay as you earn
A small, fixed percentage of daily sales is remitted automatically until the advance is settled.
Rates & Terms
The numbers, clearly stated
An MCA is priced with a factor rate rather than an APR. You repay the advance amount multiplied by that factor, with the pace set by your sales.
Eligibility
What you'll need to qualify
Our baseline criteria
Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.
- At least 6 months in business under current ownership
- $15,000+ in average monthly revenue
- A personal credit score of 500 or above
- A business bank account and the last 3–6 months of statements
Why Choose It
The advantages at a glance
Repayment that flexes
Remittance rises and falls with daily sales, so slow days cost you less.
Lenient approval
Our most accessible product — strong sales can outweigh an imperfect credit history.
Fast funding
Among the quickest options available, with funds often arriving the next business day.
Minimal paperwork
Usually just an application and a few months of processing or bank statements.
Questions
Frequently asked
Related Funding
Other solutions to consider
Let's match you with the right capital.
Tell us your goal and an advisor will confirm whether merchant cash advance is your ideal structure — usually within the hour.