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 requirements—they focus more on your business revenue than your credit score. This makes them accessible to businesses that might not qualify for traditional bank loans.
While MCAs come with higher costs than traditional financing, they can be a valuable tool for businesses needing quick capital for opportunities, inventory purchases, or bridging cash flow gaps.
MCAs are known for speed. Many businesses receive approval within 24 hours and funding within 24-72 hours of approval. Some same-day funding options may be available.
MCAs typically have higher costs than traditional loans. We help you understand the true cost of capital (factor rate, APR equivalent) and determine whether an MCA is the right choice for your situation. We’ll also explore alternative options that might offer better terms for your needs.
