A merchant cash advance (MCA) is a type of business funding that provides a lump sum of capital in exchange for a percentage of your future sales. Instead of fixed monthly payments, repayment is typically made through a portion of your daily or weekly revenue, making it a flexible option for businesses with fluctuating income.
A merchant cash advance provides fast access to working capital based on your business’s future revenue, making it a flexible alternative to traditional business loans.
Requirements vary by provider, but merchant cash advances are often easier to qualify for than traditional business loans, making them a popular option for newer or growing businesses.
Find out how much funding your business may qualify for in just a few minutes with a quick and simple application.
Is a merchant cash advance a loan?
No, a merchant cash advance is not a traditional loan. It is an advance based on your future business revenue.
How fast can I get a merchant cash advance?
Many providers offer approvals within 24 hours, with funding available shortly after.
Do I need good credit for an MCA?
Not necessarily. Merchant cash advances often have more flexible credit requirements than traditional loans.