A merchant cash advance gives you a lump sum of working capital today in exchange for a set portion of your future revenue. Approval leans on your sales performance, not just your credit score, so funding can move fast when timing matters.
Fast reviews · Clear communication · No misleading promises
A merchant cash advance (MCA) is not a traditional loan. It is the purchase of a portion of your future receivables at a discount. You receive a lump sum up front, and remittance is collected as a small fixed amount or percentage of daily or weekly sales until the agreed amount is satisfied.
Because the structure follows your revenue, MCAs are often accessible to businesses that may not fit conventional bank criteria, strong, consistent card or bank deposits matter more than a perfect credit file.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in business
$10k+ in average monthly revenue
An active business bank account
Consistent daily or weekly deposits
U.S.-based business
3–6 months of business bank statements
A government-issued photo ID
Voided business check or bank details
Basic business info (EIN, entity type)
Tell us your business, monthly revenue, and how much you need. Five fields, no credit pull at this stage.
We review recent deposits and sales performance to understand what you may qualify for.
See the advance amount, the total of receivables purchased, and the remittance schedule in plain language.
Once accepted, funds can reach your account in as little as one business day.
Merchant cash advances are priced with a factor rate, not an APR. A factor rate is a flat multiplier on the advance, a $50,000 advance at a 1.3 factor means $65,000 of receivables purchased, full stop. There is no compounding.
Because remittance is collected from daily or weekly sales, the effective cost runs higher than bank financing, the trade-off for speed and flexible approval. You will see the full numbers in plain language before you accept anything.
A flat multiplier on the advance, not compounding interest.
A small fixed amount or share of sales until satisfied.
Some advances discount the balance for early payoff.
Covering payroll during a slow stretch
Buying inventory ahead of a busy season
Funding a marketing push or new location
Repairing or replacing critical equipment
Bridging a gap while waiting on receivables
Taking a time-sensitive opportunity
No hype. Here is where this product shines and what to keep in mind before you commit.
What we generally look for before this fits. Have these in hand and things move faster.
At least 6 months in business
Around $10k or more in average monthly revenue
An active business bank account
Consistent daily or weekly card sales or deposits
A U.S.-based business
No credit pull to start (a hard pull may occur later at the funder stage)
Honest ranges, not a quote. Actual terms vary by funder and underwriting.
A merchant cash advance is priced with a factor rate, not an interest rate, commonly about 1.1 to 1.5. A $50,000 advance at a 1.40 factor means $70,000 of receivables purchased, a flat figure with no compounding. Expressed as an APR-equivalent for comparison only, that cost runs well above a bank loan, which is the trade-off for speed and revenue-based approval. Actual terms vary by funder and underwriting.
Funding can reach your account in as little as 24 hours once your information is reviewed and an offer is accepted.
Gathering these up front keeps your review quick and clean.
Three to six months of business bank statements
A government-issued photo ID
A voided business check or your bank details
Basic business information such as EIN and entity type
Recent card-processing statements, if you accept cards
The factors that carry the most weight when your file is reviewed.
Average monthly revenue and the consistency of your deposits
How long the business has been operating
Average daily bank balance and number of negative days
Industry and the stability of your sales
Any existing advances or daily remittances already in place
Credit is considered but is not the deciding factor
No hype. Here is what to think hard about before you commit.
Illustrative situations, not promises. Your options depend on your business.
If this is not quite the fit, these options are worth a look.
An estimate for comparison only. Actual terms vary by funder and underwriting.
A quick look versus two common alternatives. The best fit depends on your situation, we'll help you weigh it.
“We needed payroll covered fast and the advance hit our account the next morning. No runaround.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→See how merchant cash advances and other options work for businesses like yours.
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Materials, payroll, and equipment between draws.
Inventory and ad spend ahead of demand.
Lifts, parts, and payroll for the shop floor.
Equipment and payroll through the reimbursement lag.
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Payroll and hiring while clients pay on net terms.
Renovations and payroll through the off-season.
Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.