Our Most Popular Product
Merchant Cash Advance
Get the working capital you need without the hassle of traditional loans. Our merchant cash advance provides fast, flexible funding based on your business's sales.
Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.
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No obligation. No credit impact.
What Is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a loan. It is the purchase of a portion of your business's future receivables in exchange for an upfront lump sum.
Instead of paying interest, you remit a fixed percentage of your daily or weekly revenue until the agreed receivables amount is collected. Pricing is expressed as a factor rate (for example, 1.30 means total remittance of $130,000 on a $100,000 purchase), not an APR.
Funding amounts, factor rates, remittance percentages, and total terms vary based on your business performance, monthly revenue, time in business, industry, and underwriting outcomes. Not all applicants qualify.
Why Choose a Merchant Cash Advance?
Fast Funding
Get approved in 24 hours and receive funds within 1-3 business days.
Flexible Repayment
Pay back as a percentage of daily sales. When sales are slow, payments are lower.
No Collateral
Your future sales secure your advance. No personal assets required.
High Approval Rates
We focus on your business performance, not just your credit score.
How It Works
Apply Online
Complete our simple application in minutes.
Get Approved
Receive approval within 24 hours.
Receive Funds
Funds deposited to your account in 1-3 days.
Repay Flexibly
A small percentage is deducted from daily sales.
Basic Requirements
- 6+ months in business
- $25,000+ monthly revenue
- Business bank account
- No minimum credit score
Frequently Asked Questions
Further Reading
Tool
MCA Eligibility Checker
Find out if you qualify for an MCA in 5 minutes with our free pre-qualification assessment. No credit check required.
Guide
MCA vs SBA Loan: The Honest Comparison
Not sure if an MCA or an SBA loan is right for your business? We compare costs, qualification, repayment structure, and the "bridge" strategy — no sales pitch.