Merchant Cash Advance (MCA)
Fast, flexible working capital repaid from a small, agreed‑upon percentage of your daily card sales. Approvals in 24–48 hours. Simple docs. No collateral required.
Why Businesses Choose an MCA
- Speed over paperwork: approvals in days, not weeks.
- Cash‑flow friendly: remittances scale with your card sales.
- Broad eligibility: credit challenges or thin files considered.
- Use funds freely: inventory, payroll, repairs, marketing, seasonality—your call.
How It Works
- Pre‑qualify: share recent bank/processor statements.
- Offer: receive approved amount, factor rate, and holdback %.
- Funding: capital hits your account, usually within 24–48 hours of approval.
- Remittance: a small percentage of card sales is remitted daily or weekly until the purchased receivables are satisfied.
Sample Offer (Illustrative)
| Advance Amount | $100,000 |
|---|---|
| Factor Rate | 1.35 (payback $135,000) |
| Holdback % | 12% of daily card receipts |
| Estimated Term | ~8–10 months (varies with sales) |
Not a loan. Total payback is fixed by the factor rate; actual duration depends on your sales volume.
Eligibility & Documents
- Revenue: typically $10,000+/mo
- Time in business: 6+ months (startups considered case‑by‑case)
- Documents: last 3 months bank statements, last 3 months card processor statements, DL + voided check
Costs & Structure
An MCA uses a factor rate (e.g., 1.25–1.49) rather than an APR. Your daily/weekly remittance is a percentage of your sales (the holdback). On slow days, you remit less; on busy days, a bit more.
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We'll price multiple options so you can choose what fits today's reality—not yesterday's underwriting box.
FAQs
*MCAs are not loans. Pricing uses a factor rate; effective costs can be higher than traditional financing. Read your agreement carefully. Availability, terms, and fees vary by state and provider. Nothing here is financial, legal, or tax advice.
Ready to Move?
We'll shop your file across our MCA network to match real‑world cash‑flow with a realistic offer—no runaround.
Apply for a Merchant Cash Advance
Fast working capital with flexible remittances. Approvals in 24-48 hours.
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