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Merchant Cash Advance
Fast, flexible financing based on your daily sales.
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Loan Amount
$2,500,000
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Time to Fund
Within 24 hours
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Term Length
1 to 12 Months
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What is a Merchant Cash Advance (MCA)?
A merchant cash advance (MCA) provides businesses with quick access to capital by advancing funds against future credit card sales. Repayment is made as a percentage of daily transactions, making it a flexible option for businesses with fluctuating revenue. Ideal for retail, hospitality, and service-based businesses, an MCA ensures you have the cash flow needed for immediate expenses.
MCA vs Traditional Loan
A merchant cash advance (MCA) provides fast capital based on future sales, making it ideal for businesses with high credit card transaction volume. Unlike traditional loans, MCAs don’t have fixed payments; instead, they take a percentage of daily sales. While this option offers quick access to funds, the cost can be significantly higher than a standard business loan, making it crucial for business owners to evaluate the long-term financial impact before proceeding.
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Minimum Requirements
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Credit Score
590
Monthly Revenue
$20K+
Time in Business
0 -12 Months
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MCAs are repaid through a percentage of daily or weekly credit card sales, making payments fluctuate with revenue.
MCAs have high costs, equivalent to APRs of 40%-150%. If sales decline, businesses may struggle with payments.
Stacking MCAs is possible but risky, as repayment obligations can overwhelm cash flow.
MCAs use factor rates (e.g., 1.2x), meaning a $100,000 advance with a 1.2 rate requires repaying $120,000, regardless of how fast it's paid off.
MCAs typically don’t report to credit bureaus, but defaulting may result in legal action that affects your credit.
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