Merchant Cash Advances / ACH Loans

The fastest, simplest options 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

Woman hand with credit card swipe through terminal for sale in restaurant.jpg

Applying is free and will not affect your credit.

Qualifying is Easy
Very Low Credit Scores OK
3 - 6 Months of Bank Statements
No Collateral, Little Paperwork

Get Cash Advance Offers from Multiple Lenders 

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

Apply Now, Same-Day Approvals

Apply Online

Easy online application.

No impact to credit score.


Explore Loan Options

Access a variety of choices from dozens of top lenders.


Get Funds Fast

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

FAQ - Merchant Cash Advances / ACH Loans

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.

Is a Merchant Cash Advance a loan?

Actually, a merchant cash advance (MCA) isn't a loan. Instead, the business owner is actually selling a portion of their future credit and debit card sales for money they can use right away. The provider of the advance then collects a percentage of the business’s daily credit card sales (also called the "holdback") until the amount of the advance, plus the "factor rate", has been collected. The "factor rate" is the amount the merchant owes in addition to the amount they were advanced.

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Jon Rogers

"I had a fabulous experience with Everfund. I had spoken with a number of other lenders with no success, but once I found Everfund I was approved in less than a week."

Leslie Steskal

"I tried getting a loan with other lenders with no success. My experience with Everfund was great - very professional and efficient. Can't thank Everfund enough."

Linda Page

"After working with Wells Fargo with no success for months, I turned to Everfund and had instant success. Thank you Everfund, I highly recommend you!"

Lisa Atteberry

Quickly Get Financing Offers from Multiple Lenders 

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