01
No Fixed Monthly Payments
Forget rigid payment schedules. Your remittance adjusts automatically based on actual daily sales. Slow Tuesday? Lower payment.
Funding That Moves With Your Sales
Merchant cash advances turn your future credit card sales into capital today. When business booms, you pay more. When sales dip, payments automatically adjust. Simple, fast, and designed for businesses with strong card volume.
- Funding from $10,000 to $5,000,000
- Approval in as little as 4 hours
- Payments flex with daily sales volume
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Cash in 24 Hours
01
Share Your Sales Data
Tell us about your credit card processing volume. We evaluate your sales history, not just your credit score.
02
Get Your Advance Amount
Based on your sales volume, we determine how much capital you can access. See your factor rate and total repayment clearly.
03
Agree on Split Percentage
Choose what percentage of daily card sales goes toward repayment. Lower percentages mean longer payback but easier cash flow.
04
Start Using Capital
Funds hit your account fast, often same day. Start investing in inventory, marketing, or whatever your business needs.
Why Merchant Cash Advances Work for High Volume Businesses
What Is a Merchant Cash Advance?
A merchant cash advance is not technically a loan. It is a purchase of your future credit card receivables at a discount. You receive capital today in exchange for a percentage of tomorrow's sales.
Here is how it works: we advance you a lump sum based on your average monthly card sales. In return, a small percentage of each day's credit card transactions automatically goes toward repaying the advance. When sales are strong, you pay back faster. When they slow, payments reduce proportionally. This structure provides built-in flexibility that traditional loans cannot match.
Merchant Cash Advance Specifications
MCAs are priced using factor rates rather than interest rates. A factor rate of 1.2 on a $100,000 advance means you repay $120,000 total. The speed of repayment depends on your daily sales volume.
Factor rates typically range from 1.1 to 1.5, with higher rates for riskier profiles and lower rates for established businesses with consistent sales.
- Loan Amounts
- $10,000 to $5,000,000
- Rates
- Factor rates 1.1 to 1.5
- Terms
- 3 to 18 months
- Speed
- Same day to 48 hours
Businesses That Thrive With MCAs
Merchant cash advances work best for businesses that process significant credit card volume and need flexible repayment structures.
- Restaurants and Food ServiceHigh daily card volume makes restaurants ideal MCA candidates. Fund equipment upgrades, renovations, or seasonal inventory without fixed payments.
- Retail StoresStock up before busy seasons or take advantage of bulk supplier discounts. Payments adjust as foot traffic and sales fluctuate.
- Medical and Dental PracticesInvest in new equipment or expand your practice. Card payments from insurance companies and patients support steady repayment.
- Salons and SpasFund renovations, new equipment, or marketing campaigns. Beauty and wellness businesses often see strong card volume.
- Auto Repair ShopsCover parts inventory or equipment purchases. Auto service businesses process substantial card volume from repair jobs.
- Fitness Centers and GymsMembership fees and class payments often run through cards. MCAs provide capital for equipment or expansion.
How Credit Scores Factor Into MCA Approvals
Merchant cash advances place less weight on personal credit than traditional loans. Your daily sales volume is the primary qualification factor.
- Monthly card sales volume is the key metric
- Consistent processing history builds confidence
- Time in business affects approval and terms
- Bank balance and deposits show stability
Good news
Business owners with credit scores in the 500s regularly qualify for MCAs when they have strong, consistent card sales. Your processing statements tell the real story.
Strong Sales Volume
Higher advances, lower factor rates, better terms
760Score
Moderate Sales Volume
Smaller advances available, builds toward larger future funding
502Score
Merchant Cash Advance Industry Data
$130B+
annual merchant cash advance volume in the United States. MCAs have become a mainstream funding source for small businesses.
Source: Market Research 2023
10-20%
typical holdback percentage on daily credit card sales. Most businesses find this level manageable alongside operational expenses.
Source: Industry Standards
4-8 mo
average repayment timeline for merchant cash advances, though actual duration depends entirely on your sales volume.
Source: Provider Data Analysis
Evaluating Merchant Cash Advances
Pros
- Payments automatically adjust to your sales volume
- Faster approval than traditional business loans
- Credit score is less important than sales history
- No collateral required in most cases
- Simple application with minimal documentation
- Use funds for any business purpose
Cons
- Higher effective cost than traditional term loans
- Daily holdbacks reduce available cash flow
- Not suitable for businesses with low card volume
- Difficult to calculate APR due to variable repayment
MCA vs Other Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
MCA Qualification Requirements
- Monthly Card Sales
- $10K+
- Credit Score
- 500+
- Processing History
- 4+ months
Get Your Merchant Cash Advance
The application process focuses on your sales data. Most approvals happen the same day you apply.
Apply for MCAStep 1: Submit Application
Provide basic business information and tell us how much capital you need. Takes about 5 minutes to complete.
Step 2: Share Processing Data
Upload your last 3 to 4 months of credit card processing statements or connect your merchant account for instant verification.
Step 3: Review and Accept
Receive your advance offer with clear terms showing total repayment, factor rate, and estimated holdback percentage.
Similar Funding Products
If an MCA is not the right fit, these alternatives might work better for your situation.
MCA by Industry
These industries commonly use merchant cash advances to fund operations and growth.
FAQs
Merchant Cash Advance Questions
Technically, no. An MCA is a purchase of your future receivables, not a loan. You sell a portion of your future credit card sales at a discount in exchange for immediate capital. This distinction affects how MCAs are regulated and structured.
A factor rate is the multiplier applied to your advance amount to determine total repayment. For example, a factor rate of 1.25 on a $100,000 advance means you repay $125,000. Factor rates typically range from 1.1 to 1.5.
The holdback percentage (typically 10% to 20%) is negotiated based on your cash flow needs. A lower holdback means slower repayment but more available daily cash. A higher holdback means faster repayment but tighter daily margins.
Your payments automatically decrease because they are a percentage of actual sales. This built-in flexibility protects your cash flow during slow periods. However, lower sales mean it takes longer to repay the advance.
Many merchant cash advances fund within 24 hours of approval. Some providers offer same-day funding if you apply and complete documentation early in the business day.
Credit scores are less important for MCAs than for traditional loans. Your card sales history is the primary factor. Business owners with scores in the 500s regularly qualify when they have consistent processing volume.
Yes. Many MCA providers work with businesses that use modern payment processors like Square, Stripe, PayPal, and others. You will need to provide processing statements or connect your account for verification.
Most providers advance between 80% and 150% of your average monthly card sales. A business processing $50,000 per month might qualify for $40,000 to $75,000 or more depending on other factors.
Some MCA providers offer early payoff discounts, but not all. The structure varies by provider. Ask about prepayment options before accepting an advance.
No. Your ability to accept credit cards remains unchanged. The only difference is that a percentage of each transaction goes toward repayment through a split funding arrangement with your processor.
Turn Card Sales Into Capital
Find out how much you qualify for based on your processing volume. Our team specializes in merchant cash advances for businesses of all sizes.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score