Merchant Cash Advance - Quick access to working capital for your business
Get the funding you need with repayments that automatically adjust based on your daily credit card sales volume.
- Funding amount available
- $10K–$5M
- Repaid as a percentage of your daily or weekly sales
- % of sales
- Funds available in as little as 24 hours
- 24 hrs
- High approval rates — built around your sales, not just credit
- High approval
Key features
Our merchant cash advance solutions offer flexible funding with repayment terms that work with your business cycle.
No Fixed Monthly Payments
Repayments automatically adjust based on your daily sales volume, making it easier to manage during slow periods.
Simple Application Process
Minimal paperwork and documentation requirements compared to traditional loans, with a focus on recent sales history.
Fast Funding Turnaround
Quick approval and funding process—capital is available in as little as 24 hours to help you address immediate needs.
No Collateral Required
Unsecured funding that does not require you to pledge specific business or personal assets as security.
Use Funds for Any Business Purpose
Complete flexibility in how you use the capital, from inventory purchases to marketing campaigns or equipment upgrades.
Bad Credit Options Available
Approval based primarily on your business performance and card sales volume rather than personal or business credit scores.
Advance options
We offer various merchant cash advance structures to fit your specific business model.
Traditional MCA
Daily percentage of credit card sales with automatic deductions
Split Funding
Processor automatically splits a percentage of each batch between you and the funder
ACH Merchant Cash Advance
Fixed daily or weekly withdrawals from your business bank account
Revenue-Based Financing
Repayments based on a percentage of overall business revenue, not just card sales
Short-Term Advance
Lump sum with fixed daily payments repaid over a shorter timeframe
Hybrid Options
Customized structures combining elements of different advance types
Business benefits
Our merchant cash advance solutions provide significant advantages for businesses needing quick capital.
Quick Access to Capital
Get the funding you need in as little as 24 hours to capitalize on time-sensitive opportunities.
Flexible Repayment Structure
Payments that scale with your business revenue, reducing stress during slower sales periods.
Simple Qualification Process
Approval based on business performance rather than strict credit requirements or lengthy financial history.
No Restrictions on Use
Complete freedom to use funds where your business needs them most, without lender restrictions.
Why it works
A funding structure built around how your business actually earns.
- Get the capital you need without the wait of a traditional bank loan
- Fast
- Repayments adjust automatically based on your daily credit card sales volume
- Flexible
- Approval is built around your future sales revenue, not just your credit score
- Sales-based
Do you qualify?
A merchant cash advance is built around your sales, so the bar to qualify is low. Here is what you need.
No minimum FICO
There is no minimum credit score requirement. Approval is based on your business sales, not your personal credit.
4+ months in business
Your business should have at least four months of operating history.
$10K+/mo in sales
At least $10K per month ($120K per year) in business sales revenue.
Ready to access a merchant cash advance?
Get fast access to capital based on your future sales revenue — not your credit score.