Merchant Cash Advance
The fastest way to put working capital to work.
A merchant cash advance gives you a lump sum today in exchange for a fixed amount of your future receivables, repaid as a small, automatic share of your daily or weekly sales. Because repayment flexes with your revenue, it's the go-to option for businesses with strong sales but uneven cash flow.
How Merchant Cash Advance works
- You receive an upfront lump sum (the advance).
- You agree to repay a set total (the advance × a factor rate).
- Repayment is collected as a small fixed percentage of daily or weekly deposits.
- When sales are slow, you pay less; when they're strong, you pay it off faster.
The upside
- Funding in as little as 24 hours
- Approval based on cash flow, not just credit
- No collateral required
- Repayment flexes with your sales
Worth knowing
- Costlier than a bank loan — best for short-term needs
- Frequent (daily/weekly) remittances
- Not a fit for very low-margin businesses
Frequently asked
Is a merchant cash advance a loan?
No. It's the purchase of a portion of your future sales, so it's structured as a sale of receivables rather than a loan. That's also why approval is faster and credit requirements are looser.
What's a factor rate?
Instead of an interest rate, MCAs use a factor rate — a simple multiplier. A $50,000 advance at a 1.20 factor means you repay $60,000 total. We always show you the full dollar cost before you sign.
Will it hurt my credit score?
Getting a quote uses a soft pull that doesn't affect your score. We report nothing to consumer bureaus during repayment.
How much can I qualify for?
Typically 75%–150% of your average monthly revenue, up to $2,000,000. Send 3 months of statements and we'll give you a real number, fast.