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Overview
A Merchant Cash Advance (MCA) provides quick access to capital based on your business's future sales. Instead of fixed monthly payments, repayment is typically a percentage of daily credit card sales or fixed daily/weekly ACH withdrawals.
MCAs are known for fast approvals and flexible qualification — they focus more on revenue than credit score. While costs run higher than traditional financing, we help you understand the true cost of capital and determine whether an MCA is the right fit, exploring alternatives with better terms where possible.
Who Is This For?
- Businesses needing fast access to capital (24–72 hours)
- Companies with strong daily sales but lower credit scores
- Seasonal businesses with fluctuating revenue
- Businesses that can't wait for traditional approval timelines
- Those capitalizing on time-sensitive opportunities
Approval often within 24 hours; funding within 24–72 hours. Some same-day options available.
6+ months in business · $10,000+ monthly revenue · consistent bank deposits · no open bankruptcies · 3–6 months bank statements.
MCAs typically cost more than traditional loans. We'll walk you through factor rate vs. APR-equivalent before you commit.
Other services that might fit your goals.
Ready to unlock your next chapter?
Book a free, no-obligation consultation and we'll map out the fastest realistic path to funding or a stronger credit profile — tailored to you.