Merchant Cash Advance
Fast cash today, repaid from tomorrow's sales.
- Fastest funding option
- Repaid from daily sales
- Based on sales volume
Decision as fast as 24 hours · No hard credit pull
A fixed % remitted from each day’s card sales
Overview
A merchant cash advance is not a loan, it's an advance against your future sales. You receive a lump sum up front and repay it through a fixed percentage of your daily or weekly card and deposit volume. Pricing uses a factor rate rather than an interest rate, meaning you agree to repay a set total amount regardless of how quickly you pay it back.
An MCA is the fastest way to access capital and leans on sales volume more than credit, so it can fit businesses that need cash quickly or have weaker credit. Be honest with yourself about the cost: the total payback is typically higher than other options, and the regular remittances pull from cash flow daily, so it's best reserved for short-term, high-return needs.
- Fastest funding option
- Repaid from daily sales
- Based on sales volume
Is a merchant cash advance right for you?
Great for:
- Urgent short-term cash needs
- High card-sales businesses
- Owners with weaker credit
- Bridging a brief revenue gap
How it works
How a merchant cash advance works.
You check your options with a soft credit pull that doesn't affect your score and share recent sales and deposit history. Partners size the advance around your sales volume, not just credit.
Once approved, the lump sum hits your business checking account fast, often the same day, since this is the quickest option available.
Repayment is automatic: a fixed percentage of your daily or weekly card and deposit volume is remitted until the agreed total is met. Slower sales days mean smaller remittances.
At a glance
Merchant Cash Advance terms.
The upside
- Fastest access to cash
- Leans on sales, not credit
- Remittances flex with volume
- Light qualification requirements
Things to weigh
- Higher total cost than loans
- Daily or weekly remittances
- Factor rate, not an interest rate
Common questions
Merchant Cash Advance FAQs.
Is a merchant cash advance a loan?
No. It's an advance against your future sales, priced with a factor rate. You repay a set total amount through a share of your daily or weekly deposits.
How much does it cost?
MCAs are typically the most expensive option because pricing uses a factor rate, so the total payback is higher. It's best for short-term needs with a clear, fast return.
How is it repaid?
Repayment is a fixed percentage of your daily or weekly card and deposit volume, collected automatically. Payments are larger on strong sales days and smaller on slow ones.
How It Works
Funding that moves at your speed.
Apply in minutes
A short online application, no hard credit pull to see your options.
Get matched
We review your profile and match you to the financing that fits your business.
Review your offer
Talk it through with a real funding specialist. No pressure, no jargon.
Get funded
Accept your offer and receive funds, as soon as the same day.
Do You Qualify?
Our basic requirements.
Other underwriting factors may apply. Not all applicants will qualify.
Apply for a merchant cash advance.
Tell us about your business and a funding specialist will reach out with your options. About 2 minutes, no hard credit pull, no obligation.
Start Your Application