What Are Merchant Cash Advances (MCAs)?

  • Alternative Financing Option: A Merchant Cash Advance provides businesses with upfront cash in exchange for a portion of future sales.
  • Sales-Based Repayment: Repayments are tied to daily or weekly credit/debit card sales, offering flexibility aligned with business performance.
  • Quick Access to Funds: Typically approved and funded faster than traditional loans, making it ideal for urgent needs.
  • No Fixed Monthly Payments: Payments adjust with sales volume, making it easier to manage during slow seasons.
  • Qualification Simplicity: Approval is based on sales history rather than credit scores or collateral.

Benefits of Using a Merchant Cash Advance

  • Fast Funding: Get access to working capital in as little as 24–48 hours.
  • Flexible Repayment: Payments scale with revenue, reducing financial strain during slower periods.
  • No Collateral Required: Unlike traditional loans, MCAs do not require physical assets as security.
  • Supports Business Growth: Use funds for inventory, marketing, equipment, or other essential expenses.

Accessible for Various Credit Profiles: Ideal for businesses with less-than-perfect credit or limited borrowing history.

Get Started