What is a merchant cash advance?
A merchant cash advance (MCA) is a form of business funding where you receive a lump sum upfront and repay it through a fixed percentage of your daily credit card sales or business bank deposits. It is not a traditional loan — approval focuses heavily on your revenue trend, deposit volume, and industry rather than credit score alone.
MCAs are popular with restaurants, retailers, contractors, and service businesses that need fast working capital for inventory, payroll, marketing, equipment, or seasonal gaps.
How MCA funding works
- Apply online — share basic business details and funding need (typically under 5 minutes).
- Review offers — a funding specialist matches you with programs based on your deposits and industry.
- Receive funds — after e-signing, many MCAs fund in 1–3 business days (same-day possible on select files).
- Repay from revenue — remittance adjusts with your sales volume on daily or weekly schedules.
Who qualifies for a merchant cash advance?
Guidelines vary by funder, but many MCA programs look for:
- $10,000+ in average monthly gross deposits
- 3–6+ months in business
- Active business checking account
- 500+ FICO on many programs (exceptions exist for strong revenue)
- Majority ownership with signing authority
Businesses with existing advances may still qualify for renewals or add-on capital — disclose current positions upfront so we can match the right program.
MCA vs. traditional business loan
Banks optimize for credit history and collateral. MCAs optimize for cash flow. That makes MCAs faster to access but typically structured with factor rates rather than APR. A specialist should explain total cost of capital before you sign — we focus on transparent comparisons across programs, not a single product push.
Industries we fund with MCA programs
We place merchant cash advance and revenue-based deals nationwide, including restaurants, retail, construction, trucking, healthcare, auto services, and professional services.