Merchant Cash Advance
Get $5K to $500K upfront. Repay automatically as a small percentage of your daily sales. Sell more, pay more. Sell less, pay less. No fixed payment stress.
Revenue-based repayment
Understanding MCA
A Merchant Cash Advance (MCA) is not a loan — it's a purchase of your future receivables. You receive a lump sum upfront, and repay through a small, automatic percentage of your daily credit card or debit card sales.The key advantage? Your payments automatically adjust to your revenue. Busy month? Pay it off faster. Slow season? Payments naturally decrease.
| MCA vs Traditional Loan | MCA | Bank |
|---|---|---|
| Payments | Flexible | Fixed |
| Approval | Hours | Weeks |
| Credit | 500+ | 680+ |
| Collateral | None | Required |
| Paperwork | Minimal | Extensive |
Perfect for seasonal fluctuations in foot traffic.
Stock up before peak seasons without fixed payment stress.
Fund expansions with revenue-based repayment.
Cover equipment, hiring, and supplies during growth.
Benefits
Designed for businesses with fluctuating revenue who need fast, flexible funding.
Auto-adjusts to sales volume. Busy day = pay a bit more. Slow day = pay less. Cash flow stays healthy.
Most MCA applications approved within hours. Funds in your account in as little as 24 hours.
Unlike loans, there's no fixed monthly payment. Repayment is tied to actual revenue.
Credit scores as low as 500 accepted. We focus on business revenue, not personal credit.
MCA is unsecured. Your future sales are the security — no assets required.
Repaid a portion? Qualify for renewals with better terms and larger amounts.
Simple Roadmap
Applying is entirely streamlined, securely processed, and incredibly simple.
Securely submit details in less than five minutes.
Get personalized rates in just a few business hours.
Safely link business records via Plaid bank encryption.
Access capital inside your secure account within 24 hours.
Secure Submission
Our secure, encrypted system processes details with zero score impact.
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