Merchant Cash Advance • $5K–$500K
Cash now.
Pay with tomorrow sales.
An MCA advances you cash against your future credit card receivables. Repayment flexes with your daily revenue — slower days mean smaller payments. Perfect when speed matters more than a structured term.
Why an MCA?
- Funding in 24 hours. When you need cash now, not three weeks from now.
- No fixed monthly payment. You pay a small percentage of each day sales until the advance is paid back.
- No collateral required. Qualification is based on your revenue, not your assets.
- Credit score flexible. Our lenders fund businesses with credit scores as low as 500.
- Minimal paperwork. Bank statements only — no tax returns, no financials.
Minimum requirements
- Time in business3+ months
- Monthly revenue$10,000+
- Credit score500+
- Advance amount$5K–$500K
- 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.