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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

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.

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.

Storefront icon representing funding used for everyday business expenses and operational costs
Day-to-Day Operations

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

Shopping basket icon showing funding for replenishing stock and maintaining business supply levels
Purchase Inventory

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

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Marketing Initiatives

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

Dollar sign cycle icon symbolizing funding support to manage cash flow fluctuations and stability
Managing Cash Flow

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

Paycheck icon representing funds to ensure timely employee wage payments and business stability
Covering Payroll Costs

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

Factory icon illustrating funding for acquiring materials and resources for upcoming projects.
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.

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Unexpected Expenses

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

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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.

Hourglass icon symbolizing quick approvals and same-day funding for urgent business needs

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. Quick funding ensures your business stays agile and ready to tackle any financial challenge.
 

Calendar lock icon representing payment flexibility based on business cash flow fluctuations

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.

Dollar bill with arrows icon highlighting the benefit of penalty-free early payoff options

No Pre-Payment Penalties

Pay off your MCA early without any additional fees, giving you the freedom to clear your balance whenever it makes sense for your business. Early repayment within the first 3 calendar months will help you save substantially on the payback.

Clipboard icon indicating minimal credit and collateral requirements for easy approval

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 transactions or bank deposits, you could be approved for funding within hours.

Dollar bills icon illustrating the requirement of $20,000 in average monthly business revenue

Minimum Revenue

Minimum of $20,000 of
average monthly revenue

Clock icon representing the eligibility requirement of at least 6 months in business.

Minimum Time in Business

Minimum time in business of

at least 6 months or longer

Credit card icon indicating a minimum personal credit score of 450 or higher for approval

Minimum Credit Score

Minimum personal credit
score of 450 or higher

Extended hand holding money icon signifying the need for a good payment history with no recent defaults

Clean Payment History

No defaults on previous fundings or recent judgements

Applying For Merchant Cash Advance Funds.

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.

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

  • What funding options does Capitalize Funding offer?
    At Capitalize Funding, we specialize in all aspects of business funding, from business loans, to working capital, to lines of credit.Our services are designed to support your business's growth and financial stability. For a comprehensive list of available options, please see our Funding Products page.
  • What is Capitalize Funding's application process?
    Our application process is streamlined and user-friendly. Get started by filling out a quick, one-page application online, found on our website. Following this, a dedicated funding advisor will reach out to you to discuss your needs and the available options. Once you've selected your offer, the funds are distributed directly to your bank account. The whole process can be completed within hours. For a more step-by-step walkthrough on the funding process, please see our How It Works page.
  • How is Capitalize Funding different than other funding providers?
    We pride ourselves on our bespoke, personalized approach and our unwavering commitment to understanding the unique needs of each and every one of our clients. Our innovative funding solutions, combined with our team's expertise and experience, ensure that we stand out as a trustworthy partner in your business's growth. Read more about Capitalize Funding on our About Us page.
  • What uses are working capital loans the best suited for?
    Working capital loans help small businesses like yours meet short-term operational expenses, such as payroll, stocking inventory, and marketing. They are an ideal funding solution to help stabilize cash flow and meet immediate business needs. Working capital loans are designed for business owners who need flexible, short-term funding without the hassle of going to a traditional bank.
  • How do I know if a working capital loan is right for my business?
    Choosing the right type of funding is entirely dependent on your business needs. A working capital loan is ideal for short-term expenses such as payroll, inventory purchases, and covering seasonal fluctuations. If you’re considering using the funds for a long-term investment, like expanding your business or purchasing major assets, ask yourself this: “Will this expense still benefit my business in two, five, or ten years?” If the answer is no, then your business will be better suited for a short-term funding option, like a working capital loan.
  • Can I qualify for a working capital loan if I have bad credit?
    Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has absolutely no bearing on your ability to repay a loan. Our working capital loans focus on your business’ cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify. Our goal is to provide funding solutions that are accessible and realistic, even for businesses with less-than-perfect credit. Plus, working capital loans can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.
  • What are the advantages of short-term funding?
    Short-term funding offers flexibility and quick access to cash without locking you into long repayment terms that could impact your business’s ability to secure future funding. Long-term loans might seem attractive, but they can strain your credit and increase your debt-to-income ratio, limiting future borrowing power. On the other hand, short-term loans are designed to address immediate needs and provide a financial safety net, ensuring you have the agility to adapt to unexpected challenges without being overleveraged.
  • How can I be sure working capital is affordable for my business?
    Short-term funding often comes with higher payments than long-term loans, which can seem intimidating at first. However, what many business owners don’t realize is that working capital loans are designed to be the most affordable financing option available. Unlike traditional fixed-payment loans, working capital loans are revenue-based, meaning payments adjust according to your business’s cash flow. Each month, your repayment is calculated as a fixed Specified Percentage (usually around 15%) of your gross monthly revenue, ensuring that you always retain 85% of your income to cover operating costs. If your revenue decreases, you can request a reconciliation to adjust your payment accordingly—something you’re legally entitled to do every 30 days. Since these loans are unsecured and often don’t require a personal guarantee, funders have every incentive to ensure your business remains successful and profitable. They win when you win—making working capital loans an incredibly flexible and sustainable solution for managing short-term expenses.
  • What is a business line of credit, and how does it work?
    A business line of credit is a flexible financing solution that allows businesses to borrow funds up to a predetermined limit and repay only what they use. Unlike a traditional term loan, you can draw funds as needed and only pay interest on the amount borrowed. This makes it an excellent option for managing cash flow, handling unexpected expenses, or seizing growth opportunities without committing to a lump sum loan.
  • How is a business line of credit different from a term loan?
    A business line of credit provides revolving access to funds, meaning you can withdraw and repay multiple times within your credit limit. A term loan, on the other hand, provides a fixed amount upfront with set repayment terms. A line of credit offers more flexibility for ongoing or unpredictable expenses, while a term loan is better suited for one-time large purchases or investments.
  • What can I use my business line of credit for?
    A business line of credit can be used for virtually any short-term business expense, including covering payroll, purchasing inventory, investing in marketing efforts, or bridging cash flow gaps during slow seasons. This product is especially great for businesses that have ongoing, reoccurring expenses. This flexibility allows you to address both planned and unexpected costs efficiently.
  • What are the advantages of having a revolving line of credit?
    Having a revolving line of credit offers peace of mind and financial flexibility. You can access funds whenever needed without reapplying, and you only pay interest on the amount you use. This provides businesses with a safety net to handle fluctuating expenses and growth opportunities without straining cash reserves.
  • How do I know if a business line of credit is right for me?
    If your business experiences fluctuations in cash flow, has seasonal demands, or requires ongoing access to funds for operational expenses, a line of credit may be the perfect fit. It’s ideal for businesses that prefer flexibility over fixed repayment structures and want to avoid taking on unnecessary debt.
  • What is cash flow funding, and how does it work?
    Cash flow funding is a short-term financing option designed to help businesses manage temporary cash shortages. It provides immediate working capital based on your revenue, allowing you to cover expenses such as payroll, inventory, or other operational costs. Unlike traditional loans, cash flow funding offers flexible repayment options and early payoff incentives to help businesses save on interest.
  • How is cash flow funding different from a traditional loan?
    Traditional loans often require extensive documentation, strong credit history, and long repayment terms. Cash flow funding, on the other hand, focuses on your business’s revenue performance and provides fast access to funds with minimal paperwork. Plus, it offers flexible repayment options based on your cash flow, making it an ideal solution for short-term needs.
  • What are the benefits of early payoff discounts?
    Early payoff discounts allow you to reduce your total repayment cost by settling your balance ahead of schedule. This feature makes cash flow funding one of the most cost-effective options for businesses that expect a quick revenue turnaround and want to save on financing costs.
  • How quickly can I get funded?
    With a streamlined application process and fast approval times, cash flow funding can provide businesses with access to capital in as little as 24 hours. The exact timing depends on how quickly required documents are submitted and reviewed.
  • Is cash flow funding right for my business?
    If your business experiences fluctuations in cash flow, such as seasonal slowdowns or delayed receivables, cash flow funding can help bridge those gaps without long-term financial commitments. It’s best suited for businesses looking to cover short-term operational needs without taking on unnecessary debt.
  • What is an MCA consolidation, and how does it work?
    MCA consolidation is a strategic financing solution designed to manage multiple daily or weekly merchant cash advance payments. Instead of juggling several withdrawals, the consolidation provider deposits funds into your account to cover your existing MCA payments. In exchange, you make a single, smaller payment—freeing up cash flow and easing financial stress
  • How does an MCA consolidation improve my cash flow?
    By reducing the frequency and amount of daily withdrawals, an MCA consolidation provides instant relief and allows you to allocate funds more effectively. Instead of multiple payments draining your account daily, you’ll have a predictable weekly payment schedule, creating better cash flow management.
  • Can I still qualify if I have a lot of merchant cash advances?
    Yes! MCA consolidations are specifically designed for businesses with multiple advances. We are able to consolidate up to 7 separate advances and save you money. Approval is based on your revenue, and as long as you are not currently in default or missing payments, you can take advantage of the relief that comes along with MCA consolidations.
  • What happens if my business revenue changes after consolidating?
    MCA consolidations are still revenue-based and designed to be flexible, just like an MCA. If your revenue fluctuates, you are able to request what's called a reconciliation, which will adjust your payment schedule in accordance with your current revenue, ensuring affordability and preventing financial strain.
  • Is an MCA consolidation a default and will it affect my credit?
    No. This is not debt settlement. Although many debt settlement companies like to call their product a consolidation, it is not. Debt settlement puts you into default and forces your lenders to action and file a judgment against you and your business. MCA consolidations give you a way to repay your debt obligations, on a modified schedule, which allows you to stay current on payments and in good standing with your lenders, and without putting any further strain on your business operations. In fact, consolidating can even improve your financial standing by ensuring your payments remain manageable and consistent There are no negative consequences to consolidating your MCAs, as they will all be paid off at the agreed upon terms of the contract. Consolidating will not hinder your ability to obtain funding again in the future should the need arise, whereas debt settlement guarantees that you will never qualify for funding again.
  • 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’s the difference between an MCA and a traditional small business loan?
    Unlike traditional loans, merchant cash advances provide quicker approvals and repayment based on entirely on your daily sales, rather than keeping your business chained to a fixed monthly payment, making them ideal for businesses with fluctuating revenue, as they provide a safeguard from anything unexpected that life throws your way.
  • 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! The 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.
  • What is equipment financing, and how exactly does it work?
    Equipment financing allows businesses to purchase new or used equipment with as little as $0 down, and affordable monthly payments instead of paying the full cost upfront. Once approved, the funds are paid directly to the equipment vendor in full and the equipment becomes yours. It is, however, secured by the loan until the balance is paid in its entirety, at which point, the ownership is reverted to you.
  • What types of equipment can be financed?
    Virtually any business equipment can be financed, including heavy machinery, office equipment, technology upgrades, vehicles, and specialized tools for your industry.
  • How fast can I get approved for equipment financing?
    Approvals can happen in as little as 24-hours, with funding available and funding happening within 48-hours from the time of accepting the offer terms. Be sure to submit the purchase order or invoice from the vendor along with your application and documents.
  • What are the typical repayment terms for equipment financing?
    In many cases, financing is available for up to 100% of the equipment value, with repayment terms typically range from 12 to 84 months, depending on the equipment type, financing amount, whether the equipment is new or used, and business qualifications.
  • How does equipment financing compare to equipment leasing?
    Financing allows you to own the equipment at the end of the term. Once your equipment financing balance is paid in its entirety, the equipment is no long secured by the loan and full ownership is reverted to you. In contrast, leasing provides temporary access with potential lower monthly costs, but no ownership, even after the lease is paid.

Merchant Cash Advance Frequently Asked Questions.

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.

Or schedule a funding consultation for a complimentary business funding analysis.

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