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What It Is
A flexible funding solution where capital is provided upfront in exchange for a small slice of your future daily sales. Unlike a loan, there are no fixed monthly terms or interest rates—only a straightforward factor rate and a payment process that moves at the speed of your business.
How It Works
1. Get Approved: We review your recent bank statements and credit card processing history to determine a funding amount that fits your cash flow.
2. Receive Funds: Once approved, the lump sum is deposited directly into your business account, often within the same business day.
3. Seamless Repayment: A small percentage of your daily sales is automatically redirected to cover the advance. If sales are low one day, your payment is low too.
Who It’s Best For
- Retail & Restaurants: High daily volume businesses that need to manage seasonal inventory or staffing.
- Contractors: Bridging the gap between finishing a job and receiving client payment.
- Auto Shops: Funding for equipment upgrades or high-value parts inventory.
- Seasonal Businesses: Companies that need a repayment structure that breathes with their revenue cycles.
- Urgent Opportunities: Business owners who need capital immediately to take advantage of limited-time deals or emergency repairs.
Common Questions
Is an MCA more expensive than a bank loan?
MCAs typically have higher factor rates than bank loans because they are high-speed, unsecured capital. However, for many business owners, the flexibility and speed of funding are worth the premium compared to weeks of bank hurdles.
No collateral. No fixed payments. Funded in as little as 24 hours.
Merchant Cash Advance: Fast Capital When You Need It Most
A Merchant Cash Advance (MCA) isn’t a loan—it’s a purchase of your future sales. We provide you with a lump sum of capital today in exchange for a percentage of your daily credit card receipts or bank deposits. This means your payments fluctuate with your sales: when business is booming, you pay a bit more; when things are slower, your payment automatically adjusts downward. It’s flexible, fast, and designed for businesses that don’t want to be tied to a rigid monthly bank schedule.
Real-World Example
An auto repair shop needed $30,000 for a new diagnostic lift but couldn't wait weeks for a bank loan. By using an MCA, they secured the funds in 24 hours and began generating revenue immediately. Because their payments adjusted based on daily garage volume, they managed their cash flow easily during a mid-month dip in customers.
Key Benefits
- No Collateral Required: Since we are purchasing future sales, you don’t need to leverage personal or business assets.
- Bad Credit is OK: We focus on your business performance and sales volume, not just your personal credit score.
- Unmatched Speed: Go from application to funding in as little as 24 hours.
- Flexible Payments: Repayment scales with your revenue, protecting your business during slow periods.
What documentation do I need to apply?
We keep it simple. Generally, we only require 3–6 months of recent business bank statements and basic information about your company. No complex business plans or collateral appraisals are required.