Merchant Cash Advance | Fast, Revenue-Based Business Funding

Established businesses doing $25,000+ 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.

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.

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

Typically a minimum of around $25,000 in monthly revenue, several months in business, and consistent bank deposits. 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.

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.

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.