Merchant Cash Advance

A merchant cash advance, or MCA, is an alternative type of business financing, and is not a traditional small-business loan. With an MCA, your business receives an upfront sum of cash that you repay using a percentage of your debit and credit card sales, plus a fee.

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+ months in business.

$5,000+ Monthly Sales

The minimum revenue to qualify for financing options are $5,000+ per month, or $60,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Resources & Frequently Asked Questions

A Merchant Cash Advance isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance. On the other hand, during times of slow business, the payback would be reflective of the incoming cash flow.

A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.

A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.