Capital Based on Your Future Revenue
A merchant cash advance gives your business an upfront lump sum in exchange for a percentage of future credit card or ACH receivables. Fast to approve, flexible to repay.
Apply for an MCAWhat Is a Merchant Cash Advance?
A merchant cash advance is not a loan. It's a purchase of your future receivables at a discount. A funder advances you a lump sum today, and you repay it through a fixed percentage of your daily credit card or ACH deposits until the agreed-upon amount is paid back.
Because repayment is tied to your actual revenue, payments are smaller on slow days and larger on busy days. There's no fixed monthly payment to worry about - the repayment adjusts with your cash flow.
MCAs are not classified as loans under most state laws, which means they're available to businesses that might not qualify for traditional bank financing. Approvals are based primarily on business revenue history, not just credit score.
How the Math Works
* Example only. Actual rates and terms vary by business profile and funder.
Who Qualifies
- 6+ months in business
- $10,000+ in average monthly revenue
- U.S.-based business
- Active business bank account
- All credit scores considered (500+)
- No minimum credit score required for some funders
Best For
- Restaurants needing inventory before a busy season
- Retailers preparing for holiday stock
- Service businesses with steady card volume
- Businesses that need capital in 24 to 48 hours
- Owners who've been declined by their bank
- Companies with tax liens or past credit issues
Common Questions
Is an MCA the same as a business loan?
No. A merchant cash advance is a purchase of future receivables, not a loan. This distinction matters legally - MCAs are not subject to state usury or interest rate caps that apply to loans. The cost is expressed as a factor rate, not an APR.
How fast can I get funded?
Most approvals come back within 4 to 24 hours after we receive your bank statements. Once you sign the agreement, funds typically arrive in your account within 1 to 2 business days.
What documents do I need?
For most MCA approvals, we need your last 3 to 4 months of business bank statements and a one-page application. No tax returns, no business plans. Some larger advances may require additional documentation.
Can I get an MCA with bad credit?
Yes. Unlike traditional loans, MCA decisions are primarily based on your revenue history. Many funders in our network approve businesses with credit scores as low as 500, or even with open tax liens.
Can I pay it off early?
Some funders offer early payoff discounts, others don't. This varies by contract. We'll make sure you understand the early payoff terms before you sign any agreement.
Ready to Get an MCA?
Apply in 5 minutes. Decisions in 24 hours. No hard credit pull.
Apply for a Merchant Cash Advance