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
- Approval in as little as 4 hours
- No collateral required — bad credit OK
- 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 loan — it’s a purchase of your future sales. We give you a lump sum of cash today in exchange for a small percentage of your future daily credit/debit card sales. As your sales fluctuate, so does your repayment — you pay 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
Complete our 2-minute application. No paperwork. No long forms.
Get Your Offer
We review your last 3 months of bank/merchant statements and present an offer — often same day.
Accept & Get Funded
Sign your agreement and receive funds in your account within 24 hours.
Repay Automatically
A small fixed percentage of daily card sales is remitted until the advance is paid off.
MCA Amounts & Terms
Funding Amount
$5,000 – $500,000
Factor Rate
1.15 – 1.45
Repayment Term
4 – 24 months
Holdback Rate
8% – 20% of daily sales
Time to Funding
24 – 72 hours
Credit Score
No minimum
Do You Qualify?
6+ Months in Business
Your business must be operating for at least 6 months.
$10K+ Monthly Revenue
Minimum $10,000 in monthly revenue from any source.
Business Bank Account
An active business checking account in the U.S.