Revenue-based capital when your business needs it fast.
A merchant cash advance turns your business's future revenue into working capital today. Approval is based on your revenue — not just your credit. Funding is fast, repayment scales with your sales, and if you have a slower month, your payment scales down with it. That's how MCAs work when they're structured fairly.
- ✓ Funding from $5,000 to $2 million
- ✓ Same-day approval, funded in 24 to 48 hours
- ✓ Approval based on revenue, not credit alone
- ✓ Payments scale with your daily revenue
MCA funding for every industry
What is a merchant cash advance, exactly?
A merchant cash advance isn't technically a loan. It's a purchase — we buy a portion of your business's future revenue at a discount, and you repay us over time as that revenue comes in. Because it's structured as a purchase rather than a loan, MCAs aren't subject to state usury laws that cap traditional loan interest rates.
Instead of an interest rate, MCAs use a factor rate (usually 1.1 to 1.5) that tells you total repayment. If you receive $50,000 at a 1.3 factor rate, you'll repay $65,000 total. Payments are collected either daily or weekly, usually as a fixed percentage of your business's revenue (the "holdback").
MCAs are best suited for businesses that need capital fast, have steady revenue, and want repayment tied to their cash flow rather than a fixed monthly amount. If your revenue slows, so does your payment. That flexibility is the point.
- ✓ Structured as a purchase of receivables, not a loan
- ✓ Factor rate replaces interest rate — full cost disclosed upfront
- ✓ Daily or weekly payments as a percentage of revenue
- ✓ Slow month? Payment scales with your revenue
When speed and revenue-based approval matter.
MCA isn't right for every business or every situation. But when speed matters, credit isn't strong, or you want repayment that scales with your revenue — it's often the best fit.
Speed to Funding
MCA is the fastest business funding product. Same-day approval on most applications, funded within 24 to 48 hours. Banks can't compete on this timeline.
Revenue-Based Approval
Your business's revenue is the primary underwriting factor. Personal credit matters less than it does with traditional loans, which is why businesses with credit challenges often qualify for MCAs.
Payments That Scale
Because payments are usually a percentage of daily or weekly revenue, they scale with your business. Slow week? Smaller payment. Big month? Payment adjusts accordingly.
No Collateral Required
MCAs are unsecured — no need to put up property, equipment, or personal assets. Your business's future revenue is the collateral, which lets you keep control of your assets.
Flexible Use of Funds
Use the capital for anything your business needs — inventory, payroll, marketing, expansion, equipment, or covering seasonal cash flow gaps. No restrictions on use.
Renewable at Payoff
Most businesses that use MCAs come back for additional funding as their needs grow. Once you've established a track record with us, renewal funding is often faster and available at better terms.
Straightforward requirements.
MCA qualification is simpler than most business funding products. If you meet these four requirements, you're likely eligible for at least a small advance. Higher revenue and stronger business fundamentals unlock larger amounts and better terms.
From application to funded — typically 24 to 48 hours.
MCA is the fastest business funding product to close. Here's what to expect from start to finish.
Apply and share statements
Complete our short online application or call us. We'll ask for basic business info and your last 3 months of business bank statements. That's usually all we need to make a decision.
Start now →
Same-day underwriting decision
Our team reviews your revenue, business type, and bank flow. Most MCA decisions come the same day. We'll present offers with the advance amount, factor rate, holdback percentage, and estimated repayment timeline — all disclosed in writing.
See our full process →
Get funded to your business account
Sign the funding agreement and we wire directly to your business bank account. Most MCA funding lands within 24 hours of signed paperwork. Payments begin the next business day.
Apply now →Straight answers about MCAs.
MCAs are one of the most misunderstood business funding products. Here are honest answers to the questions we hear most. For our complete FAQ, see our full FAQ page.
See our full FAQ →What's a factor rate, and how does it compare to interest rate?
What's a holdback percentage?
How much can I get with an MCA?
Are MCAs expensive compared to bank loans?
What if my business has a slow month?
Can I pay off my MCA early?
Will an MCA affect my credit score?
Can I get a second MCA while I still have one active?
MCA isn't the only option.
If a merchant cash advance doesn't fit your situation, one of our other business funding products might. We can help match you to what makes sense for your business.
Your business needs capital now.
Not in six weeks.
Apply online in 3 minutes, or call a business funding specialist directly. Same-day decisions on most MCA applications. No cost to apply, no obligation.
Same-day decisions · No upfront fees · Habla Español