Merchant Cash Advance
An advance on future sales, repaid as a small share of daily card revenue — so payments flex when business does.
Payments that move with your sales.
A merchant cash advance provides upfront capital in exchange for a small, fixed percentage of your future card sales. Instead of a rigid monthly payment, repayment happens automatically as a share of each day's revenue.
When sales are strong you pay back a little faster; when they slow, your payments shrink with them. That natural flexibility makes an MCA a popular fit for seasonal and card-heavy businesses that want funding without the pressure of a fixed installment.
When your revenue rises and falls.
Best for retailers and merchants with steady card volume and variable sales.
- Retailers and restaurants with high card volume
- Seasonal businesses with uneven monthly sales
- Covering a short-term gap without a fixed payment
- Funding a quick inventory or marketing push
- Businesses that want speed over the lowest rate
- Owners with thinner credit but strong daily sales
Funded against your sales, fast.
Apply with sales data
Share basic details and a few months of card-processing or bank statements.
Get your offer
We size an advance to your sales volume and present terms, often within hours.
Receive funds
Accept and get capital deposited as soon as the same or next business day.
Repay automatically
A small, fixed percentage of daily card sales is remitted until the advance is repaid.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Advance amount | $5,000 – $500,000 |
| Pricing | 1.15 – 1.45 factor rate |
| Holdback | 8% – 20% of daily card sales |
| Term | Until repaid (revenue-based) |
| Fixed monthly payment | None |
| Setup fee | $0 – 2% |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
An MCA is one of our most accessible products because it's underwritten on sales. Typical baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueConsistent daily card sales are the core qualifier — they drive both approval and amount.
- 500+ credit scoreStrong daily sales can offset a lower score, making this one of our most flexible options.
Benefits of merchant Cash Advance.
Payments flex with sales
Repay more on strong days and less on slow ones — funding that breathes with your revenue.
Fast approval & funding
Decisions in hours and money as soon as the same or next business day.
No fixed monthly bill
Nothing rigid to budget around — remittance is a simple share of daily card sales.
Flexible credit requirements
Strong sales can matter more than your score, opening access to more businesses.
Use it for anything
Inventory, repairs, staffing, marketing — there are no restrictions on use.
Minimal paperwork
A short application and a few months of statements is typically all you need.
Merchant Cash Advance FAQ.
Technically it's the purchase of a portion of your future sales, not a loan. That structure is what allows repayment to flex automatically with your daily card revenue.
A fixed percentage (the holdback) of each day's card sales is remitted automatically until the agreed total is repaid. Busy days repay faster; slow days repay less.
Pricing uses a factor rate rather than an APR. A $50,000 advance at a 1.25 factor means you repay $62,500 in total.
Card-heavy and seasonal businesses — restaurants, retail, salons — that value speed and flexibility over securing the absolute lowest rate.
Other ways to access capital.
Popular with these businesses.
This product is a frequent fit for these sectors — explore funding tailored to yours.
Funding that flexes with you.
Apply in five minutes and see real offers — with no impact to your credit score.