Merchant Cash Advance

A Merchant Cash Advance (MCA) provides quick access to capital based on your business’s future credit card and debit card sales. This is not a loan it’s a purchase of your future receivables at a discount. Repayment is automatic through a small percentage of your daily card sales, so payments naturally adjust with your business volume. MCAs are ideal for businesses that need fast funding and have strong card sales.

Loan Details

$10,000 – $500,000

3-18 months (based on sales volume)

Factor rates from 1.1 to 1.5

24-48 hours

Fastest funding option available
Payments scale with your sales
Minimal paperwork required
Bad credit considered
No personal guarantee required (select programs)
Use funds for any business purpose

Frequently Asked Questions

Common questions about Merchant Cash Advance

How does repayment work?

A fixed percentage (typically 10-20%) of your daily credit card sales is automatically deducted until the advance is repaid. On slow days, you pay less; on busy days, you pay more.

What is a factor rate?

A factor rate (e.g., 1.3) is multiplied by your advance amount to determine total repayment. For example, a $100,000 advance at 1.3 factor rate means you repay $130,000 total.

Can I get an MCA with bad credit?

Yes! MCAs focus primarily on your business’s card sales volume rather than personal credit score. Many businesses with credit challenges qualify.

Ready to Get Started?

Our team is ready to help you secure the business line of credit financing your business needs. Apply now or speak with a funding specialist.

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