Merchant Cash Advance
A lump sum against future card sales, repaid as a small slice of daily revenue that flexes with your volume.
What it is
A merchant cash advance (MCA) gives you a lump sum upfront in exchange for a small, fixed percentage of your future card sales. Instead of a rigid monthly payment, you repay automatically as you earn — a slice of each day's revenue goes toward the advance until it's paid off.
That structure makes repayment breathe with your business: payments rise on your busy days and ease off when sales are slow, so you're never squeezed during a quiet stretch. Approval is fast and credit-flexible because it's driven by your sales volume, making an MCA a strong option for retailers, restaurants, and any business with steady card receipts.
Best for
- Businesses with high, steady credit- and debit-card volume
- Retailers and restaurants with seasonal or variable sales
- Owners who want payments that flex with revenue
- Fast access to capital when credit is a hurdle
- Bridging short-term needs without a fixed monthly payment
From application to funded
Apply & connect sales
Submit a quick application and connect your card-processing and bank statements.
Fast approval
We assess your sales volume — not just credit — for a decision in hours.
Receive your advance
Approved funds can be deposited the same business day.
Repay as you earn
A small fixed percentage of daily card sales is remitted automatically until the advance is repaid.
The details, in plain numbers
What you'll need to qualify
- Active U.S.-based business bank account
- Three months of recent bank statements
- Basic business and ownership details
Benefits of Merchant Cash Advance
Payments that flex
Repayment is a share of sales, so it rises on busy days and eases when revenue dips.
Same-day funding
Approved advances can land in your account the same business day.
Credit-flexible
Approval is driven by card-sales volume, so a lower credit score is less of an obstacle.
No fixed monthly bill
There's no rigid payment to make — the holdback adjusts automatically with revenue.
Fast, simple approval
Minimal paperwork and a decision in hours, based mostly on your processing history.
Unsecured
No collateral required — the advance is repaid from future sales.
Industries we fund with Merchant Cash Advance: popular fits include Restaurants, Retail, Salons & Spas. See all industries.
Common questions
Other products to consider
Ready to put Merchant Cash Advance to work?
Apply in about five minutes with no impact to your credit score to see what you qualify for. A funding advisor can have you funded fast.