Fast funding repaid through a small percentage of your daily sales.
$5K – $500K
Loan Amount
Factor rate 1.1x – 1.5x
Typical APR
3 – 18 months
Loan Term
Same day – 2 days
Funding Time
A merchant cash advance (MCA) provides a lump sum of cash in exchange for a percentage of your future credit and debit card sales. Repayments are automatic and proportional to your daily revenue — so when business is slow, you pay less. Ideal for businesses with strong card sales needing fast, flexible capital.
Minimum Credit Score
500+
Urgent Cash Needs
Cover critical expenses when traditional loans are too slow
Inventory Restocking
Restock fast-moving products ahead of a busy season
Marketing Pushes
Run urgent ad campaigns to capture seasonal demand
Equipment Repairs
Fix broken equipment quickly to avoid costly downtime
Staffing Costs
Hire temporary staff during peak demand periods
Expansion Costs
Fund a quick location expansion or renovation project
From application to funding — here is exactly what to expect when applying for a Merchant Cash Advance.
Provide 3 months of card processing statements. No tax returns or extensive documents required.
Approved applicants receive a lump sum deposited into their account — often the same day.
A fixed percentage of your daily card sales is automatically deducted until the advance is repaid.
Once 50–70% is repaid, you may qualify for a renewal or top-up advance.
Min. Credit Score
500+
Monthly Card Sales
$5K+
Time in Business
3+ months
Collateral
None required
Card Processor
Any processor
Industry
Retail, restaurant, service
Advantages
Lowest credit score requirement of any business loan
No collateral needed
Repayments flex with your revenue
Funding as fast as same day
Considerations
Most expensive form of business financing
Daily deductions can strain cash flow
Not suitable for low card-volume businesses
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.
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