Merchant cash advance for any business need
Get fast access to the working capital you need to grow — repaid as a simple share of your future sales, on a timeline that moves with your business.
Checking your options won't affect your credit.
What is a merchant cash advance?
A merchant cash advance, or MCA, gives your business fast access to working capital based on your future revenue. Rather than a traditional loan with fixed monthly payments, you receive a lump sum upfront and repay it as a set percentage of your daily or weekly sales.
Because repayment is tied to your receivables, the timeline naturally adapts to how your business is performing — you contribute more when sales are strong and less when they slow down. It's a flexible alternative designed around the way real businesses operate.
To qualify, your business generally needs consistent revenue, such as credit card sales or other receivables. The application is fast and entirely online, and our advances range from $5,000 up to $500,000.
Built to flex with your business
Three things set a merchant cash advance apart from a conventional loan.
Revenue-based repayment
Payments are collected as a small share of sales, so they naturally adjust when your revenue changes.
Fast online approval
Apply in minutes, upload recent statements, and get real options quickly without weeks of bank back-and-forth.
Use funds your way
Inventory, payroll, marketing, repairs, expansion — put capital toward the business priority in front of you.
Which businesses an MCA fits best
Businesses that accept card payments and want fast, flexible access to capital are ideal candidates. Because payments rise and fall with revenue, an MCA is especially well suited to companies with seasonal swings or steady receivables.
If your sales are strong but a bank turned you down on credit alone, a merchant cash advance may be the faster, more flexible path to the working capital you need.
A strong fit for businesses with:
- ✓At least a few months of consistent revenue
- ✓Card sales, deposits, or other receivables
- ✓A need for capital faster than a bank can move
- ✓Seasonal or variable sales volume
- ✓Plans to invest in inventory, payroll, equipment, repairs, or growth
Four things to apply
Gather these and you can complete your application in just a few minutes.
A valid photo ID
A driver's license or other government-issued identification.
Basic business details
Legal business name, ownership information, and contact details.
Recent bank statements
Typically your last three months of statements or processing history.
Funding goal
How much capital you need and what you plan to use it for.
Apply in minutes. Get funded in days.
Apply online
Share a few details and your statements. It takes about ten minutes.
Review options
Your advisor walks you through available offers, costs, and repayment structure.
Accept terms
Choose the option that fits your business and complete final verification.
Receive funds
Once approved, funds can be deposited as quickly as the next business day.
Merchant cash advance FAQs
Ready to put capital to work?
Get a no-obligation quote in minutes. Our advisors will help you find the right fit for your business.