Fast Working Capital

Merchant Cash Advance

Get quick access to capital based on your future credit card sales. Ideal for businesses that need immediate cash flow without the lengthy approval process of traditional loans.

Call (877) 501-1421

$5K

Minimum Amount

$500K

Maximum Amount

3-18 Months

Loan Terms

Factor 1.1-1.5

APR Range

24-48 Hours

Funding Speed

Key Features

Everything you need to know about our merchant cash advance solutions.

Same-Day Approval

Get approved in as little as a few hours with our streamlined application process. No lengthy paperwork or waiting.

No Collateral Required

Your future sales are your collateral. No need to pledge business assets, real estate, or personal property.

Flexible Repayment

Repayments are a percentage of daily sales, so you pay less during slow periods and more when business is booming.

Bad Credit Welcome

We focus on your business revenue, not your credit score. Businesses with challenged credit can still qualify.

Use Funds for Anything

No restrictions on how you use the capital—inventory, payroll, marketing, equipment, or emergency expenses.

Renew and Stack Options

Build a relationship and access additional funding as your business grows. Renewal offers available after 50% paydown.

Why Choose Our Merchant Cash Advance?

We understand the unique challenges businesses face when seeking funding. Our merchant cash advance solutions are designed to provide fast, flexible financing with transparent terms.

Funding in as fast as 24 hours after approval
Approval rates over 85% for qualified businesses
No fixed monthly payments—pay as you earn
Minimal documentation required
No impact on your credit score to apply
Dedicated funding advisor throughout the process

Get Your Free Quote

Fill out the form below and one of our funding specialists will contact you within 24 hours.

Ideal Use Cases

See how businesses like yours have used our merchant cash advance to achieve their goals.

Seasonal Inventory Purchase

A retail store received $75K to stock up on holiday inventory, repaying through a small percentage of daily card sales over 6 months.

Emergency Equipment Repair

A restaurant's walk-in cooler failed. They received $25K within 24 hours to replace it and avoid losing thousands in spoiled inventory.

Marketing Campaign Launch

A salon chain used $50K to launch an aggressive marketing campaign, increasing revenue by 40% and paying off the advance in 4 months.

Payroll Bridge

A staffing agency needed $100K to cover payroll while waiting on client payments. The MCA provided immediate relief without disrupting operations.

Frequently Asked Questions

How is a merchant cash advance different from a loan?

An MCA is technically a purchase of your future receivables, not a loan. You receive a lump sum in exchange for a percentage of future sales. There's no fixed payment schedule—repayment fluctuates with your revenue. This also means MCAs aren't subject to the same regulations as traditional loans.

What are the requirements to qualify?

Most MCA providers require: 6+ months in business, $10K+ monthly revenue, active business bank account, and processing credit/debit card sales (though ACH-based options exist for cash businesses). Credit score is less important than revenue consistency.

What is a factor rate?

Factor rates (typically 1.1-1.5) determine your total repayment. Multiply your advance by the factor rate to get your total payback. For example, a $50K advance at 1.3 factor rate means you repay $65K total. This is different from APR and shouldn't be directly compared to loan interest rates.

How much of my daily sales will go to repayment?

Typically 10-20% of daily credit card sales. The exact percentage (called the holdback or retrieval rate) is set when you sign the agreement and remains fixed throughout the term.

Can I pay off my MCA early?

Yes, but unlike loans, early payoff doesn't typically save money. With most MCAs, you owe the full purchase amount regardless of how quickly you pay. Some providers offer small discounts for early payoff—ask about this before signing.

Explore other funding solutions that might fit your business needs.