Services/Merchant Cash Advance

Merchant Cash Advance | Fast, Revenue-Based Business Funding

A merchant cash advance (MCA) is the purchase of a portion of a business's future receivables in exchange for a lump sum paid up front. It is not a loan: there is no interest rate, and the business remits a set daily or weekly amount by ACH that scales with its sales until the purchased amount has been delivered. To qualify for a merchant cash advance a business typically needs at least $50,000 in monthly revenue, at least 12 months in business, and consistent bank deposits. Y Millennial Funding is a direct MCA funder for businesses at that level. Because we underwrite on the strength and consistency of your bank deposits rather than credit score alone, a business with steady revenue can be evaluated regardless of credit history, equipment debt, or balance-sheet structure. We deliver same-day decisions for eligible applications, can fund within 24 hours of a signed agreement, and evaluate 1st through 5th position funding when other funders decline. Not all applicants qualify.

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How It Works

You apply with basic business details and a few months of recent business bank statements. We evaluate your revenue patterns and deposit consistency and return a decision the same business day for eligible, complete applications. On approval, you review and sign a funding agreement specifying the funded amount, the factor rate, and the daily or weekly remittance. Funds are typically available within 24 hours, and remittance begins on the agreed schedule, scaling with your deposit volume.

Who It's For

Established businesses doing $50,000+ in monthly revenue that need fast, flexible working capital and either can''t wait for a bank or have been declined by one — including businesses with credit issues, prior funding, or uneven, seasonal revenue.

Key Benefits

Speed — decisions in hours and funding in about a day; approval based on revenue rather than credit score alone; remittance that scales with sales instead of a fixed monthly payment; no collateral requirement; and availability for 1st through 5th position funding.

Common Uses

Inventory and equipment purchases, payroll, marketing, expansion or a second location, emergency repairs, bridging slow-paying customers, and seasonal ramp-ups.

Qualification

Minimum revenue and time in business to qualify: at least $50,000 in monthly gross deposits across your business bank accounts, at least 12 months in business, and three to six months of consistent deposit history. Those are the floors we evaluate at; the amount a business qualifies for is then sized on its average monthly deposits and how steady they are, not on a credit score.

Credit is not the primary factor, but bankruptcies, judgments, prior funding defaults, and active tax liens remain material to underwriting and may affect approval or terms. For the full picture see our guides to merchant cash advance requirements and how much funding your business can qualify for. Not all applicants qualify.

Repayment

Repayment is a fixed daily or weekly amount remitted via ACH (or a percentage of card settlements) that scales with your deposit volume, so it tracks your actual cash flow rather than demanding a fixed monthly payment during a slow stretch. Total cost is expressed as a factor rate, not an APR.

Why Banks Fall Short

Banks decline many healthy businesses over credit history, limited time in business, thin or seasonal financials, or a lack of hard collateral, and even an approval can take weeks. MCA underwriting weighs revenue and deposit consistency instead, so a business with steady cash flow can be funded in days regardless of those factors.

Frequently Asked Questions

Common questions about merchant cash advance.

Helpful Tools

Free resources to help you understand and plan your merchant cash advance.

Eligibility Checker

5-minute pre-qualification assessment with no credit pull.

MCA Calculator

Estimate payments, factor-rate cost, APR, and term length.

Stacking Calculator

Analyze capacity for multiple MCA positions.

How MCA Works

Learn the mechanics and process.

MCA Disclosures

Important terms and information.

Industries We Fund

Funding by Location

Related Services

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