Funding That Moves With Your Sales
Merchant cash advances turn your future credit card sales into capital today. When business booms, you pay more. When sales dip, payments automatically adjust. Simple, fast, and designed for businesses with strong card volume.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score
From Application to Cash in 24 Hours
Tell us about your credit card processing volume. We evaluate your sales history, not just your credit score.
Based on your sales volume, we determine how much capital you can access. See your factor rate and total repayment clearly.
Choose what percentage of daily card sales goes toward repayment. Lower percentages mean longer payback but easier cash flow.
Funds hit your account fast, often same day. Start investing in inventory, marketing, or whatever your business needs.
Why Merchant Cash Advances Work for High Volume Businesses
No Fixed Monthly Payments
Forget rigid payment schedules. Your remittance adjusts automatically based on actual daily sales. Slow Tuesday? Lower payment.
Credit Score Matters Less
Your credit card sales volume is the primary qualification factor. Strong sales history can outweigh credit challenges.
Fast Access to Large Sums
Get substantial funding quickly. Businesses with high card volume often qualify for $100K or more in just 24 hours.
Simple Documentation
We need your credit card processing statements and bank statements. No business plans, tax returns, or financial projections required.
Automatic Collection
Payments happen automatically through your payment processor. No manual transfers, no missed payments, no hassle.
Use Funds for Any Purpose
Inventory, equipment, marketing, payroll, expansion. No restrictions on how you deploy your capital.
What Is a Merchant Cash Advance?
A merchant cash advance is not technically a loan. It is a purchase of your future credit card receivables at a discount. You receive capital today in exchange for a percentage of tomorrow's sales.
Here is how it works: we advance you a lump sum based on your average monthly card sales. In return, a small percentage of each day's credit card transactions automatically goes toward repaying the advance. When sales are strong, you pay back faster. When they slow, payments reduce proportionally. This structure provides built-in flexibility that traditional loans cannot match.
Merchant Cash Advance Specifications
MCAs are priced using factor rates rather than interest rates. A factor rate of 1.2 on a $100,000 advance means you repay $120,000 total. The speed of repayment depends on your daily sales volume.
Factor rates typically range from 1.1 to 1.5, with higher rates for riskier profiles and lower rates for established businesses with consistent sales.
Businesses That Thrive With MCAs
Merchant cash advances work best for businesses that process significant credit card volume and need flexible repayment structures.
How Credit Scores Factor Into MCA Approvals
Merchant cash advances place less weight on personal credit than traditional loans. Your daily sales volume is the primary qualification factor.
Good News
Business owners with credit scores in the 500s regularly qualify for MCAs when they have strong, consistent card sales. Your processing statements tell the real story.
Strong Sales Volume
Higher advances, lower factor rates, better terms
Moderate Sales Volume
Smaller advances available, builds toward larger future funding
Merchant Cash Advance Industry Data
$130B+
annual merchant cash advance volume in the United States. MCAs have become a mainstream funding source for small businesses.
(Source: Market Research 2023)
10-20%
typical holdback percentage on daily credit card sales. Most businesses find this level manageable alongside operational expenses.
(Source: Industry Standards)
4-8 mo
average repayment timeline for merchant cash advances, though actual duration depends entirely on your sales volume.
(Source: Provider Data Analysis)
Evaluating Merchant Cash Advances
Payments automatically adjust to your sales volume
Faster approval than traditional business loans
Credit score is less important than sales history
No collateral required in most cases
Simple application with minimal documentation
Use funds for any business purpose
Higher effective cost than traditional term loans
Daily holdbacks reduce available cash flow
Not suitable for businesses with low card volume
Difficult to calculate APR due to variable repayment
MCA vs Other Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
| SBA Loan | $50K to $5M | Prime + 2.75% | 8 to 12 weeks |
MCA Qualification Requirements
$10K+
Monthly Card Sales
500+
Credit Score
4+ months
Processing History
Get Your Merchant Cash Advance
The application process focuses on your sales data. Most approvals happen the same day you apply.
Apply for MCA
Provide basic business information and tell us how much capital you need. Takes about 5 minutes to complete.
Upload your last 3 to 4 months of credit card processing statements or connect your merchant account for instant verification.
Receive your advance offer with clear terms showing total repayment, factor rate, and estimated holdback percentage.
Similar Funding Products
If an MCA is not the right fit, these alternatives might work better for your situation.
MCA by Industry
These industries commonly use merchant cash advances to fund operations and growth.
Merchant Cash Advance Questions
Technically, no. An MCA is a purchase of your future receivables, not a loan. You sell a portion of your future credit card sales at a discount in exchange for immediate capital. This distinction affects how MCAs are regulated and structured.
A factor rate is the multiplier applied to your advance amount to determine total repayment. For example, a factor rate of 1.25 on a $100,000 advance means you repay $125,000. Factor rates typically range from 1.1 to 1.5.
The holdback percentage (typically 10% to 20%) is negotiated based on your cash flow needs. A lower holdback means slower repayment but more available daily cash. A higher holdback means faster repayment but tighter daily margins.
Your payments automatically decrease because they are a percentage of actual sales. This built-in flexibility protects your cash flow during slow periods. However, lower sales mean it takes longer to repay the advance.
Many merchant cash advances fund within 24 hours of approval. Some providers offer same-day funding if you apply and complete documentation early in the business day.
Credit scores are less important for MCAs than for traditional loans. Your card sales history is the primary factor. Business owners with scores in the 500s regularly qualify when they have consistent processing volume.
Yes. Many MCA providers work with businesses that use modern payment processors like Square, Stripe, PayPal, and others. You will need to provide processing statements or connect your account for verification.
Most providers advance between 80% and 150% of your average monthly card sales. A business processing $50,000 per month might qualify for $40,000 to $75,000 or more depending on other factors.
Some MCA providers offer early payoff discounts, but not all. The structure varies by provider. Ask about prepayment options before accepting an advance.
No. Your ability to accept credit cards remains unchanged. The only difference is that a percentage of each transaction goes toward repayment through a split funding arrangement with your processor.
Turn Card Sales Into Capital
Find out how much you qualify for based on your processing volume. Our team specializes in merchant cash advances for businesses of all sizes.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score