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Merchant Cash Advance
Utilize your future sales to get great financing terms that are tailored for you.
MCA is one of the most flexible financing options that doesn't require collateral.
Loan Amounts of $10,000 - $5 Million
6 Months - 10 Year Terms
Funding in 1 - 3 Days
Simple Application: Our simple 15 second online application can get you matched with offers in minutes.
No Minimum FICO: Bad credit? No problem! Most of our top financing options have no minimum FICO.
Larger Amounts: Get matched with the best financing options with the highest funding amount.
Same Day Funding: Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!
What Do You Need To Qualify?
3+ Months in Business
You can qualify for our top financing options with as little as 3+months in business.
$5,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $5,000+ per month, or $60,000 in annual gross sales.
No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Resources & Frequently Asked Questions
What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance. On the other hand, during times of slow business, the payback would be reflective of the incoming cash flow.
To learn more about a merchant cash advance (MCA) complete our 15-second online application today and speak directly with a business financing advisor.
How Does a Merchant Cash Advance Work?
A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.
To learn more on how a merchant cash advance works, complete our 15-second online application and speak with a business financing advisor.
Are Merchant Cash Advance's The Same As a Loan?
A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.
Explore your options when it comes to an merchant cash advance by completing our 15-second online application today.
After completing this simple application, we'll pair your with a dedicated Business Financing Advisor to choose the best financing options for your business!