Merchant Cash Advance
Receive a lump-sum advance against your future card sales and repay automatically as a small, fixed percentage of each day's receipts—lighter on slow days, faster on busy ones.
What it is
A merchant cash advance (MCA) gives you a lump sum today in exchange for a set percentage of your future card sales. Repayment happens automatically: a small slice of each day's card receipts is remitted until the advance is fulfilled.
Because payments rise and fall with your sales, a slow week costs you less and a busy week pays it down faster—there's no fixed monthly bill to stress over. Approval leans on your sales volume rather than credit alone, making it accessible for high-card-volume businesses.
Best for
- Retail, restaurants, and salons with high card-transaction volume.
- Businesses with seasonal swings that want repayment to flex with sales.
- Owners who value speed—cash today, often same or next day.
- Those who prefer no fixed monthly payment hanging over slow periods.
How it works
1. Apply in minutes
Submit a short application and connect your card-processing and bank statements.
2. Approved on your sales
We base approval on your sales volume, not credit alone—decisions come fast.
3. Get funded
Accept your offer and receive the lump sum, often the same or next business day.
4. Repay as you sell
A small, fixed percentage of daily card sales is remitted automatically until complete.
Rates & terms
- Payments flex with revenue—lighter on slow days.
- Approval on sales, not just your credit score.
- No fixed monthly payment to budget around.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Flexes with revenue
Repay more on busy days, less when sales dip.
Very fast cash
Funding as soon as the same or next business day.
Sales-based approval
Strong card volume can qualify you even with thinner credit.
No fixed bill
Automatic remittance means nothing to remember each month.
Frequently asked questions
A fixed percentage of your daily card sales is remitted automatically. When sales are high you pay down faster; when they're slow, payments ease—there's no fixed monthly amount.
Very fast. Because approval is based largely on sales volume, many advances are funded the same or next business day after approval.
Technically it's a purchase of future receivables, not a loan. Cost is expressed as a factor rate rather than an APR, and repayment is tied to your sales.
That's exactly where an MCA shines—repayment naturally slows in your off-season and speeds up when business picks back up.
Related funding
Not sure this is the perfect fit? These products solve similar needs in different ways.
Funding that moves with your sales.
Get a lump sum today and repay as a small share of daily card receipts—apply in minutes with approval based on your sales, not just credit.