Merchant Cash Advance (MCA)
Get 80–150% of your monthly revenue upfront. Repay automatically as a small percentage of daily sales.
- Funding from $5,000 to $500,000
- Decisions may be available in as little as a few hours
- No collateral required; flexible for a range of credit profiles
- Flexible repayment tied to your daily revenue
- All industries considered
No hard credit pull. No obligation.
What Is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a traditional loan — it’s a purchase of a portion of your future sales. A funding provider provides a lump-sum purchase amount today in exchange for a specified percentage of your future daily credit/debit card sales. Remittance structures vary by provider and agreement — many adjust with your sales, so you may remit more on good days and less on slow days.
This makes an MCA ideal for businesses with seasonal sales, variable revenue, or those who need capital fast without navigating traditional bank requirements.
How It Works
Apply Online
Start with a simple online application — most applicants finish in a few minutes.
Get Your Offer
A funding provider reviews your last 3 months of bank/merchant statements. Decisions may be available quickly, depending on documentation.
Accept & Get Funded
Once approved, funds may be deposited in your account within 24 hours, depending on the funding provider.
Repay Automatically
A percentage of daily card sales is remitted to the funding provider until the advance is paid in full.
MCA Amounts & Terms
Funding Amount
$5,000 – $500,000
Purchase Terms
Vary by provider
Repayment Term
4 – 24 months
Remittance Structure
Set by provider
Time to Funding
24 – 72 hours
Credit Score
Varies by provider
Do You Qualify?
Time in Business
Typically at least 6 months of operating history; requirements vary by funding provider.
Monthly Revenue
Generally $10,000+ in monthly revenue; minimums vary by funding provider.
Business Bank Account
An active business checking account in the U.S.
Ready to Apply for an MCA?
Get your funding options — initial review may be completed without a hard credit inquiry.