Merchant Cash Advance (MCA)

Quick funding based on your future sales

What is a Merchant Cash Advance?

A Merchant Cash Advance provides your business with a lump sum of capital in exchange for a percentage of your future credit card sales or daily bank deposits. Repayment is automatic and flexible - you pay more when sales are high and less when sales are slow.

This financing solution is ideal for businesses with consistent credit card sales or daily revenue who need quick access to capital for inventory, advertising, equipment, or other business needs.

💡 Perfect For:

Restaurants, retail stores, salons, medical practices, and any business with regular credit card transactions or daily revenue.

Advantages & Considerations

✓ Advantages

  • Fast approval - often within hours
  • Flexible repayment based on sales
  • No fixed monthly payments
  • Available with lower credit scores
  • No collateral required
  • Simple application process
  • Use funds for any business purpose
  • Pay less during slow periods

⚠ Considerations

  • Higher cost than traditional loans
  • Daily or weekly automatic deductions
  • Requires consistent sales volume
  • Factor rates typically 1.15 to 1.45
  • Shorter repayment terms (3-12 months)
  • Can impact daily cash flow

Qualification Requirements

  • Time in Business: Minimum 6 months of operation
  • Monthly Revenue: At least $10,000 in monthly sales
  • Credit Card Processing: Regular credit card transactions preferred
  • Bank Statements: Last 3-4 months of business bank statements
  • Credit Score: Flexible - not the primary factor
  • Business Type: Retail, restaurant, service businesses ideal

How Does It Work?

1. Apply: Submit your application with basic business information.

2. Review Sales: We review your credit card sales or bank deposits from recent months.

3. Get Approved: Receive approval and funding offer within hours.

4. Receive Funds: Get your lump sum deposited in your account within 24-48 hours.

5. Automatic Repayment: A percentage of daily sales or fixed daily amount is automatically deducted until paid in full.

Ideal Business Types

🍽️ Restaurants

Cafes, bars, food trucks

🛍️ Retail

Stores, boutiques, shops

💇 Salons

Hair, nails, spas, beauty

🏥 Medical

Dentists, doctors, clinics

🔧 Services

Auto repair, contractors

🏨 Hospitality

Hotels, motels, B&Bs

Key Benefits for Your Business

  • ✓ Funding from $5,000 to $500,000
  • ✓ Approval in as little as 4 hours
  • ✓ Flexible repayment based on revenue
  • ✓ No fixed monthly payments
  • ✓ Funds available within 24-48 hours
  • ✓ Use for inventory, marketing, equipment

Ready to Apply?

Get quick funding based on your business sales

Apply Now