Merchant Cash Advances

The fastest, simplest option for many businesses.

  • Access from $5,000 to $250,000

  • Borrow based on credit card sales

  • Pay back as you collect revenue

  • No collateral - No credit reporting

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Applying is free and will not affect your credit.

Qualifying is Easy
No Credit Score Minimum
3 - 6 Months of Bank Statements
No Collateral, Little Paperwork

Compare Loan Offers from Multiple Lenders 

 Apply for free in minutes. Get funded in as little as 24 hours.

Apply Now, Same-Day Approvals
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Apply Online

Easy online application.

No impact to credit score.

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Explore Loan Options

Access a variety of choices from dozens of top lenders.

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Get Funds Fast

Once approved, get funds in as little as 24 hours.

FAQ - Merchant Cash Advances

What is a merchant cash advance?


A merchant cash advance (MCA) or business cash advance is a form of small business financing in which a lump-sum is given to a business in exchange for an agreed-upon percentage of future revenues or credit card sales. Merchant cash advances come in various forms and often have shorter durations and smaller regular remittance amounts than business term loans. MCA's are ideal for small business owners with weak credit or who simply need flexible options due to fluctuating revenue.




How do you repay a merchant cash advance?


Your cash advance is repaid based on your business’s daily sales. Depending on the way your cash advance is financed, your lender will either take a daily percentage of credit card sales or a percentage of the total daily business sales. Terms vary by lender, and through us you will be able to access dozens of different lenders.




How does a merchant cash advance work?


Merchant cash advances look forward rather than backward, so approvals are based less on credit score and more on the probability of satisfying the advance. Applying is quick and simple, and repayment remittances are automatically debited from your account at a fixed rate each month, giving you the freedom to do business as usual with the peace of mind that your repayment rate will not change.




Can a start-up get a merchant cash advance?


A merchant cash advance is an option for startup businesses that may not yet qualify for other types of small business financing. Because a merchant cash advance is repaid based on the business’s daily sales, time in business and other factors that usually make financing difficult for startups don’t apply. If your startup has strong daily sales, a merchant cash advance could be an excellent solution to get capital quickly.





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Quickly Get Financing Offers from Multiple Lenders 

 Applying is free and won't impact your credit score.