How fast can I get a funded with merchant cash advance?

You can receive funding in only a matter of hours. We understand time is of the essence when it comes to funding your business. Our fast business funding process guarantees not to waste any of yours. From the time your application and documents are submitted, you can receive an offer as soon as 1-hour from then, and once the terms are accepted, funding typically happens 1-2 hours after. Depending on the time of day, the whole process can be completed in as little as 3 hours.

What are the differences between an MCA and a traditional small business loan?

Merchant cash advances (MCAs) provide quicker approvals and repayments based on your daily sales, unlike traditional loans that have fixed monthly payments. This makes MCAs ideal for businesses with fluctuating revenue, offering a safeguard against unexpected challenges.

Can I use a cash advance for any business expense?

Absolutely! Unlike traditional loans, there are no restrictions on how you choose to use the proceeds from an MCA. Whether you need to cover payroll, purchase inventory, or handle unexpected costs, a merchant cash advance offers flexible working capital solutions tailored to your business.

Are small business cash advance loans easy to qualify for?

Yes! MCA funding is primarily based on your revenue, not your credit score. As long as your business processes regular transactions with some degree of consistency, you can qualify for funding with very minimal requirements.

Is a merchant cash advance a good option for businesses with cash flow gaps?

Yes, MCAs are tailor-made for your business! They are an excellent solution for any businesses facing seasonal slowdowns or unexpected expenses, offering quick relief without the hassle of traditional loans, and financial protection from all things unknown.

Products / Merchant Cash Advance

Merchant Cash Advance

Merchant Cash Advance Funding

Large Funding Amounts: Approvals up to $2,000,000

Early Payoff Discounts: Huge savings when you pre-pay

Fast Funding Time: Same-day funding and availability

Dedicated Advisor: A specialist for every application

GET STARTED

Need funding fast? Cash advances provide flexible, same-day business lending solutions to help cover daily expenses, manage cash flow, and seize growth opportunities without the wait.

Funding Amounts

Up to $2,000,000

Repayment Terms

4 - 15 months

Timeline To Funding

Same-day funding

What Is Merchant Cash Advance Funding?

A merchant cash advance provides fast business funding by giving you upfront cash in exchange for a percentage of your future sales. Unlike traditional loans, an MCA offers flexible approval criteria with no collateral requirements, making it an ideal solution for businesses with challenged credit or those in need of immediate working capital without the red tape.

Best Ways To Utilize Merchant Cash Advance Business Funding.

From handling unexpected expenses to expanding your business, a small business cash advance loan is a fast and practical way to access working capital. Whether it’s managing payroll, purchasing inventory, or covering operational costs, MCA funding helps bridge cash flow gaps with same-day availability.

Day-to-Day Operations

For the everyday things that keep your business's lights on ⎻ even the lights themselves.

Purchase Inventory

Every business needs a product to sell. For when yours starts to get a little too low..

Marketing Initiatives

Because you have an invaluable service to provide and the whole world should know it.

Managing Cash Flow

Managing the ebbs and flows and ups and downs is a reality every business owner knows.

Covering Payroll Costs

When payday conveniently falls on the same day an opportunity of a lifetime presents itself.

Project or Job Supplies

While you're still waiting to get paid for the last job, but need the capital start on the next one.

Unexpected Expenses

It happens to the best of us. For those things, good and bad, that you just never see coming.

Any Short-Term Need

Any situation that you wouldn't want to still be paying for in 1+ years from now.

Unsure if it's a fit? Check out the product use case evaluation for more guidance,

or schedule a complementary funding consultation to go over your specific needs.

The Key Benefits Of Merchant Cash Advance Funding.

A merchant cash advance offers an ideal alternative to traditional lending for small businesses needing immediate funding. With quick approvals, no fixed monthly payments, and repayment based on sales, it’s a solution that aligns with your business’s cash flow cycle.

Fast Access To Funding

Get approved and funded in as little as 24-hours, providing immediate relief and helping you seize new opportunities without delay. Fast funding ensures your business stays agile and ready to tackle any financial challenge.

Flexible Repayment Terms

Repay your advance through a percentage of your daily sales, making it easier to manage during slow periods and busier seasons. This means payments naturally adjust to your business’s cash flow without added pressure.

Low Qualification Requirements

No need for perfect credit or collateral—approval is based primarily on your business’s revenue and cash flow history. This makes it a practical option for businesses that might struggle with traditional loan qualifications.

No Pre-Payment Penalties

Pay off your balance early without any fees, giving you the freedom to clear your balance whenever it makes sense for your business. An early payoff will help you save substantially on the payback.

Find out your business' FUNDABILITY score

GET FUNDING IN A FLASH

Need to combine multiple advances? Learn about MCA Consolidation.

How To Qualify For Merchant Cash Advance Funding For Your Business.

Qualifying for a merchant cash advance is simple, focusing on your daily sales rather than your credit score. If your business processes regular credit card or bank deposits, you could be approved for funding within hours.

Minimum Revenue

At least $20,000 in monthly revenue over the last 4 months.

Minimum Time In Business

At least 6 months or more, depending on the industry.

Minimum Credit Score

A minimum personal credit score of at least 450 or higher.

Clean Payment History

No defaults or judgments on any previous funding.

Find out how much funding your business is eligible for.

How To Apply For
Merchant Cash Advance Funding.

Getting started with merchant cash advance funding for your business is a simple, straightforward process. With minimal paperwork and quick approvals, you’ll have the funds you need deposited directly into your business account in just a few hours.

Step 1: Complete Your Application

Fill out our quick online form with basic business details and the most recent 4 business bank statements.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding options to suit your needs.

Step 3: Receive Your Funds Fast

Your business will receive funds in as little as a few hours to help you manage your cash flow and grow.

Ready To Secure Your
Merchant Cash Advance?

Getting the funds you need to keep your business running smoothly shouldn’t be complicated. Our hassle-free application process makes it easy to access the funding you need—fast. Whether you need cash to cover day-to-day operations, or take advantage of the opportunity of a lifetime, we’ll guide you every step of the way to secure the right financing solution for you.

LEVEL UP YOUR BUSINESS

Still have questions? Check out our FAQs below or speak with a funding specialist.

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FAQs About Merchant Cash Advances.

Not sure if an MCA is right for you? We've got the answers to the questions that you want to know most, so you can make an educated decision whether this funding option is the right fit for your business. Check out our FAQs for all the insights you need.

Not quite the right fit for your business?

Explore these other funding options.