Business Funding

Merchant Cash Advance

Get fast access to working capital based on your future revenue. Flexible repayment tied to your daily sales, with no fixed monthly payment and no collateral required.

See What I Qualify For →

No credit impact · Takes less than 2 minutes · Free to apply

$5k–$500k

Funding Amount

24 hrs

Approval Speed

Any

Credit Score

1–3 days

Time to Fund

What Is It?

Capital based on your future revenue

A Merchant Cash Advance (MCA) provides a lump sum of capital in exchange for a percentage of your future sales. Instead of a fixed monthly payment, you repay automatically through a small daily holdback of your credit card or bank deposit revenue.

This makes an MCA one of the most flexible financing options for businesses with variable or seasonal revenue. Your payments scale with your sales: when business slows, payments go down. When it picks up, you pay more and finish faster.

MCAs are not technically loans; they are a purchase of future receivables. This is why approval is based primarily on your revenue history rather than your credit score, making them accessible to businesses that might not qualify for traditional financing.

With a single 2-minute application, you can see your best available MCA offers side by side. No shopping around, no repeat paperwork, no hard credit pull.

Quick Facts

Funding Range: $5,000 – $500,000
Factor Rate: 1.15x – 1.50x
Repayment: 5%–20% of daily revenue
Average Term: 3 – 18 months
Approval: Same day – 24 hours
Credit Score: No minimum
Collateral: None required

STEP 1

Apply in About 2 Minutes

Share basic details about your business: monthly revenue, time in business, and how much you need. No hard credit check, no obligation.

STEP 2

See Your Best Offers

Your profile is reviewed and you receive pre-approved offers from MCA providers most likely to approve you at competitive factor rates, so you can compare and choose with confidence.

STEP 3

Get Funded & Repay Flexibly

Once approved, funds are deposited directly into your business bank account, usually within 24–48 hours. Repayment happens automatically as a small percentage of your daily revenue.

3+ months in business: most MCA lenders require at least 3 months of business history (some require 6).
$5,000+ monthly revenue: your business should generate at least $5k per month in sales or deposits.
Active business bank account: required to receive funds and process the daily repayment holdback.
Any credit score: MCAs are primarily based on revenue, not credit. No minimum score required.
US-based business: your business must operate in the United States.
Regular credit card or ACH sales: MCA repayment is tied to your payment processing volume or bank deposits.

Advantages

Fastest funding, often approved within 24–48 hours
No fixed monthly payment; repayment scales with your revenue
No collateral required; approval is based on your sales volume
Low credit scores considered; approval focuses on your sales volume
High approval rates; revenue matters more than credit score
No restriction on use; spend the capital on whatever your business needs

Considerations

Higher cost than traditional loans; factor rates of 1.15x–1.50x mean a higher effective APR
Daily or weekly payments that reduce your available cash flow
Shorter terms; most MCAs are repaid within 3–18 months
Not suited for long-term investments; works best for short-term capital
Amount tied to your monthly sales volume

Not ready to apply yet? We're happy to call you back.

Merchant Cash Advance

Capital based on your future revenue

How It Works

Apply in About 2 Minutes

See Your Best Offers

Get Funded & Repay Flexibly

Who Qualifies?

Pros & Cons

Find out what MCA funding you qualify for today