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Merchant Cash Advance
Capital based on your sales, not your credit score. Same-day decisions.
A merchant cash advance (MCA) is not a loan. A funder buys a portion of your future receivables at a discount and collects a fixed percentage of daily or weekly deposits until the agreed amount is delivered. Because approval rests on bank deposits rather than credit, an MCA is often the fastest capital a business can get.
- Funding Amount: $5,000 – $500,000
- Factor Rate: 1.10 – 1.49*
- Estimated Term: 3 – 18 months
- Funding Speed: As fast as 24 hours
Typical terms
What to expect.
Representative ranges across our funding partners. Your actual offer depends on underwriting.
Best for
- Restaurants, retail and service businesses with steady card or bank deposits
- Owners with bruised credit but healthy sales
- Fast-moving needs: inventory, repairs, payroll gaps
New to factor rates? Read how to calculate the real cost of an MCA or compare an MCA vs. a business loan.
| Funding Amount | $5,000 – $500,000 |
| Factor Rate | 1.10 – 1.49* |
| Estimated Term | 3 – 18 months |
| Funding Speed | As fast as 24 hours |
| Minimum Revenue | $15,000 / month in deposits |
| Time in Business | 4+ months |
| Credit Score | 500+ accepted |
| Collateral | None — future receivables are purchased |
| Remittance | Fixed daily or weekly ACH |
| Early Payoff | Discounts available with many funders |
*Representative range. Actual cost depends on underwriting and is disclosed in full before you sign. All products are for business purposes only and subject to approval by the funding provider.
How it works
Four steps to funding.
Apply in minutes
Short application plus your last four months of business bank statements.
Deposit review
Underwriters look at deposits, balances and existing positions, not just credit.
Compare offers
We present offers side by side: amount, factor rate, payback and remittance.
Get funded
Sign electronically and receive funds by wire or ACH, often the next business day.
Also consider
Other ways to fund the move.
Working Capital Advance
Perfect for inventory and payroll gaps, with a fixed cost and a clear timeline.
Learn more →Business Line of Credit
Draw what you need, when you need it. Only pay for funds you use.
Learn more →Small Business Term Loan
Fixed-rate financing with predictable monthly payments for growth.
Learn more →Ready to compare real offers?
One application. Multiple funders. Clear payback numbers before you sign anything.