What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future sales. Instead of fixed monthly payments, repayments are automatically deducted from your daily revenue.
Who This Is For
Businesses with steady daily sales
Retail, restaurants, and service-based businesses
Companies needing quick access to capital
Businesses that may not qualify for traditional loans
Key Benefits
Fast approvals and funding
No fixed monthly payments
Flexible repayment based on revenue
Accessible with lower credit scores
Minimal documentation required
Once approved, you receive a lump sum of capital upfront. The funding amount is determined based on your business’s sales performance and cash flow.
Repayments are made automatically through a fixed percentage of your daily sales (known as the holdback rate), allowing payments to adjust naturally with your business activity.
Unlike traditional financing, approval for a Merchant Cash Advance is based on your business’s revenue, not just your credit profile.
You don’t need perfect credit, significant collateral, or years in business. Instead, lenders evaluate your recent sales performance — especially your daily or card transactions — to determine eligibility.
This allows more businesses to access funding quickly, even if they’ve been declined by banks.