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Revenue-flexible
Merchant Cash Advance
Get a lump sum today and repay as a small, fixed percentage of daily card sales — lighter on slow days, by design.
Amount range$5K – $500K
Typical termSales-based
Funding speedAs fast as 24h
What it is
A closer look at the Merchant Cash Advance
A merchant cash advance gives you a lump sum upfront in exchange for a small, fixed percentage of your future card sales. Instead of a rigid monthly payment, repayment flexes with your revenue: on busy days you pay a bit more, on slow days a bit less. For businesses with strong, consistent card volume, it is one of the fastest and most accommodating ways to access capital.
Because approval emphasizes your sales history rather than your credit score, an MCA is often accessible to owners who have been turned down elsewhere. Funds can arrive in as little as 24 hours, making it a practical option when timing matters most.
Funding range$5K – $500K
Best for
Is the Merchant Cash Advance right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- High daily card volume. Restaurants, retailers, and salons that process steady card sales.
- Less-than-perfect credit. Owners whose sales are strong even if their credit score is not.
- Truly urgent needs. Situations where funding in 24 hours genuinely matters.
- Revenue that fluctuates. Businesses that want payments to breathe with their busy and slow days.
How it works
From application to funding
01 Step 1
Apply with sales data
Submit a short application and your recent card-processing statements.
02 Step 2
Fast approval
We assess your sales history rather than leaning on your credit score.
03 Step 3
Agree on the terms
Review your advance amount and the percentage of sales used for repayment.
04 Step 4
Get funded fast
Receive your lump sum in as little as 24 hours and repay automatically.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | Merchant Cash Advance |
|---|---|
| Funding range | $5,000 to $500,000 |
| Repayment | A fixed percentage of daily or weekly card sales (the holdback) |
| Pricing | Quoted as a transparent factor rate on the total payback |
| Approval basis | Weighted toward sales history over credit score |
| Funding speed | As fast as 24 hours |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Payments that flex
Remittance rises and falls with your sales, so slow days are automatically lighter.
Sales-first approval
Strong card volume can outweigh a less-than-perfect credit score.
Lightning-fast funding
Capital can be in your account in as little as one business day.
No fixed collateral
An MCA is based on future receivables, not a lien on your assets.
Industries that lean on it
Popular with these businesses
See how the Merchant Cash Advance fits the way your industry actually runs.
Questions
Merchant Cash Advance FAQ
You repay via a fixed percentage of your daily or weekly card sales, called the holdback. When sales are strong you repay faster; when they slow, so does the remittance.
Technically it is the purchase of a portion of your future sales, not a loan. Pricing is quoted as a factor rate rather than an APR.
Often, yes. Because approval leans heavily on your sales history, an MCA is one of the more accessible options for owners with imperfect credit.
Many merchant cash advances fund within 24 hours of approval, making this one of our fastest products.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a merchant cash advance?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.