Merchant Cash Advance • $5K–$250K
Working capital
based on future sales.
An MCA is an advance against future business receivables. Remittances may flex with revenue, and the provider sets the final amount, cost, payment structure, and timing.
Why an MCA?
- Revenue-based structure. The provider evaluates business sales and bank activity.
- No fixed monthly payment. You pay a percentage of each day's sales until the advance is paid back, subject to the provider's terms.
- Collateral terms vary. Some providers focus primarily on business revenue rather than traditional collateral.
- Flexible credit criteria. Some providers may consider applicants with personal credit scores around 500.
- Documentation varies. Providers commonly request bank statements and may require additional financial records.
Minimum requirements
- Time in business3+ months
- Monthly revenue$10,000+
- Credit score500+
- Advance amount$5K–$250K
- Bank statementsLast 3 months
Not every business is a great fit for an MCA.
MCAs are the right tool when you need speed, you have volatile revenue, or a term loan does not fit your cash flow. They carry a higher cost of capital than a traditional loan, and that is exactly why we will tell you honestly if you are better off with a Business Term Loan instead.