Merchant Cash
Advance (MCA)
Turn your future sales into immediate capital. A Merchant Cash Advance gives you a lump sum upfront and repays automatically as a small percentage of your daily revenue — no fixed monthly payments.
MCA at a Glance
Based on monthly revenue and card sales
From approval to funds in your account
We approve based on revenue, not credit history
Of applicants receive at least one offer
No hard credit pull. Takes 2 minutes.
Simple, Fast, Flexible Funding
Unlike traditional loans, an MCA is not a loan — it's a purchase of a portion of your future revenue. That means no fixed payments, no collateral, and a faster path to funding.
Apply Online
Fill out our simple 5-minute application. We review recent bank statements and sales history — not just your credit score.
Get Approved
Our underwriters review your application same day. Most businesses receive an offer within a few hours.
Receive Funds
Once approved and docs signed, funds are deposited directly into your business bank account within 24–48 hours.
Fixed Daily Payments
Repayment is automatically remitted on a fixed daily or weekly schedule. Predictable, automatic, and hassle-free.
Built for Businesses That Move Fast
Speed When It Matters
Traditional bank loans take 30–90 days. Our MCA funding typically takes 24–48 hours — perfect when you need capital now to capture an opportunity or cover an urgent expense.
Revenue-Based — Not Credit-Based
We evaluate your business based on monthly revenue and payment processing history, not just your FICO score. Most businesses with $10K/month in revenue qualify.
Predictable Daily Payments
Repayment is automatically remitted on a fixed daily or weekly basis — no manual payments, no surprises. Simple, consistent, and built into your routine.
Who Qualifies for an MCA?
Merchant Cash Advances are designed for businesses that need fast capital without the restrictions of traditional lending. Qualification is primarily based on your revenue track record.
- At least 3 months in business
- $10,000+ in monthly revenue
- Active business bank account
- Credit score 500+ (exceptions available)
- No active bankruptcy proceedings
- U.S.-based for-profit business
Best Industries for MCA
MCAs work best for businesses with consistent daily sales, especially those in retail, food service, and service industries.
MCA Funding for Specialized Industries
As merchant cash advance specialists, we understand the unique cash flow challenges of specific industries. Our team tailors MCA solutions to your business model.
Merchant Cash Advance for Pharmacies
Pharmacies face unique cash flow challenges — insurance reimbursement delays, inventory costs, and seasonal demand. A merchant cash advance for pharmacy businesses bridges the gap between filling prescriptions and receiving payment.
- Bridge insurance reimbursement delays
- Stock high-demand inventory ahead of season
- Fund pharmacy renovations or expansions
- Cover payroll during slow periods
Merchant Cash Advance for Equipment
Need equipment fast but can't wait for traditional financing? A merchant cash advance for equipment purchases gives you immediate capital to buy, lease, or repair critical business equipment without lengthy approval processes.
- Purchase equipment in days, not weeks
- No equipment appraisal required
- Use for any equipment type
- Combine with equipment financing for larger purchases
Want to estimate your MCA payments before applying?
Try Our Free MCA CalculatorCommon MCA Questions
Is a Merchant Cash Advance a loan?
No. An MCA is a purchase of a portion of your future revenue — not technically a loan. This means it is not subject to the same regulations as traditional loans, and there is no fixed interest rate. Instead, you repay a factor rate applied to the advance amount.
What are factor rates and how do they work?
Factor rates typically range from 1.1x to 1.5x. For example, if you receive a $50,000 advance with a 1.3 factor rate, you repay $65,000 total ($50,000 × 1.3). This is deducted daily or weekly as a percentage of your sales.
Will my credit score affect my MCA approval?
Credit score matters less for MCAs than for traditional loans. We primarily evaluate your monthly revenue and bank statements. Most businesses with consistent sales of $10K/month or more can qualify, even with a credit score under 600.
How quickly can I receive funds?
Most MCA approvals happen within hours of application. Once you sign the agreement and we verify your bank account, funds are typically deposited within 24–48 business hours.
Can I get a second MCA while still repaying the first?
Yes, this is called a stacked or renewal advance. If you have repaid a meaningful portion of your current advance and your business revenue supports it, you may qualify for additional funding.
Ready to Get Your Advance?
Apply in 5 minutes. Get funded in 24–48 hours. No hard credit pull.
Apply Now — Free & EasyQuestions? Call (855) 786-1190