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Merchant Cash Advances

Quick capital based on your daily sales—no fixed payments, just a percentage of revenue.
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How It Works

A Merchant Cash Advance (MCA) provides immediate working capital in exchange for a percentage of your daily credit card sales or bank deposits. Payments adjust automatically with your revenue—higher sales mean faster payback, slower sales mean lower daily remittances.

Fast Funding

Funds as soon as 24-48 hours

Revenue-Based

Payments scale with your sales volume

Flexible Approval

Credit score matters less than cash flow

Typical Terms

Advance Amount

$5,000 - $500,000

Factor Rate

1.15 - 1.45 (total repayment multiplier)

Time to Fund

24-48 hours in most cases

Repayment Period

3-12 months (varies by sales volume)

* Rates and terms shown are typical starting points and vary by business profile, sales volume, and documentation.

Eligibility Requirements

  • Minimum $10,000/month in credit card sales or bank deposits
  • Business operating for at least 6 months
  • No active bankruptcies or recent liens
  • Owner personal credit score 500+ typically accepted

Required Documents

  • Government-issued ID
  • Business bank statements (last 3-4 months)
  • Voided business check
  • Merchant processing statements (if applicable)
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