Merchant cash advance — same-day funding, flexible repayment.
An MCA gives you capital today based on your future credit card and bank sales. You repay automatically as a small percentage of daily revenue — payments flex with your business, lower when you're slow and higher when you're busy.
What can a merchant cash advance do for your business?
How can a merchant cash advance help your business get funded fast?
An MCA is the fastest form of business financing available — same-day approval and funding is common for businesses with strong card or bank volume. Unlike bank loans that require weeks of paperwork, MCAs underwrite primarily on your daily sales data. This makes them ideal when you need capital immediately and can't wait for a traditional approval process.
How can a merchant cash advance help a business with lower credit?
Because MCAs qualify based on revenue rather than credit score, they're one of the most accessible forms of business financing. Businesses with scores as low as 500, tax liens, or previous banking issues can often qualify if they have consistent card or bank volume. The lender is betting on your future sales, not your credit history.
How can a merchant cash advance help manage cash flow during a slow period?
One of the most valuable features of an MCA is flexible repayment. When business is slow, your daily repayment percentage means smaller absolute payments. When business picks up, you repay more — but you have more cash to handle it. This natural alignment between repayment and revenue makes MCAs one of the most cash-flow-friendly products available.
How can a merchant cash advance help a seasonal business?
Seasonal businesses that peak in certain months are well-suited for MCAs. You can draw capital ahead of your peak season, stock inventory, staff up, and launch marketing — then repay through higher daily sales during your busy period. The flexible repayment structure means you're not crushed by fixed payments in your slow months.
What businesses use merchant cash advances for
MCA qualifications
MCAs have the most flexible qualification criteria of any business financing product.
- ✓500+ personal credit score
- ✓3+ months in business
- ✓$10K+ monthly card or bank revenue
- ✓Active business bank account
- ✓No active bankruptcies
Apply in 2 minutes, get matched to MCA lenders within hours, and receive funding the same business day. No hard credit pull to check your options.
Merchant cash advance — frequently asked questions
What is a merchant cash advance and how does it work?
An MCA provides a lump sum of capital in exchange for a percentage of your future daily credit card or bank revenue (called a "holdback"). The lender takes a small percentage of each day's revenue until the advance plus a factor rate fee is fully repaid. There's no fixed monthly payment — repayment flexes with your sales.
What is a factor rate and how is it different from an interest rate?
A factor rate is expressed as a multiplier (e.g., 1.3x). If you receive $100,000 at a 1.3 factor rate, you repay $130,000 total. Unlike APR, factor rates don't compound — the total cost is fixed at the start. Factor rates typically range from 1.1x to 1.5x depending on your revenue, time in business, and credit profile.
How fast does an MCA fund?
Same-day funding is standard for MCAs. After submitting your application and bank statements, approval can come within hours and funds the same business day.
Can I get a merchant cash advance with bad credit?
Yes. MCAs are one of the most accessible forms of financing for businesses with challenged credit. Most MCA lenders require a minimum score of 500 and focus primarily on your daily revenue and bank activity rather than your credit history.
What is the holdback percentage?
The holdback is the percentage of daily revenue used to repay the advance — typically 10–20%. For a business doing $5,000/day in sales with a 15% holdback, the daily repayment would be $750.
Is a merchant cash advance a good idea for my business?
MCAs are best for businesses that need capital fast, have consistent revenue, and can't qualify for or don't want to wait for traditional financing. They carry higher costs than term loans or SBA loans, so they're not ideal for long-term capital needs. We always show you every option so you can make the most informed decision.
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