Merchant Cash Advance - Quick access to working capital for your business
Get the funding you need with repayments that automatically adjust based on your daily credit card sales volume.
Key features
Our merchant cash advance solutions offer flexible funding with repayment terms that work with your business cycle.
No Fixed Monthly Payments
Repayments automatically adjust based on your daily sales volume, making it easier to manage during slow periods.
Simple Application Process
Minimal paperwork and documentation requirements compared to traditional loans, with a focus on recent sales history.
Funding in as Little as 24 Hours
Quick approval and funding process to help you address immediate business needs or opportunities without delay.
No Collateral Required
Unsecured funding that does not require you to pledge specific business or personal assets as security.
Use Funds for Any Business Purpose
Complete flexibility in how you use the capital, from inventory purchases to marketing campaigns or equipment upgrades.
Bad Credit Options Available
Approval based primarily on your business performance and card sales volume rather than personal or business credit scores.
Advance options
We offer various merchant cash advance structures to fit your specific business model.
Traditional MCA
Daily percentage of credit card sales with automatic deductions
Split Funding
Processor automatically splits a percentage of each batch between you and the funder
ACH Merchant Cash Advance
Fixed daily or weekly withdrawals from your business bank account
Revenue-Based Financing
Repayments based on a percentage of overall business revenue, not just card sales
Short-Term Advance
Lump sum with fixed daily payments over a shorter term (3-12 months)
Hybrid Options
Customized structures combining elements of different advance types
Business benefits
Our merchant cash advance solutions provide significant advantages for businesses needing quick capital.
Quick Access to Capital
Get the funding you need in as little as 24 hours to capitalize on time-sensitive opportunities.
Flexible Repayment Structure
Payments that scale with your business revenue, reducing stress during slower sales periods.
Simple Qualification Process
Approval based on business performance rather than strict credit requirements or lengthy financial history.
No Restrictions on Use
Complete freedom to use funds where your business needs them most, without lender restrictions.
See it in action
Here"s how a real business implemented this solution and the results they achieved.
Fresh Harvest
Organic grocery store in Portland, OR
The Challenge
Fresh Harvest needed to quickly expand their inventory and upgrade their refrigeration equipment to meet growing customer demand. However, they were in a seasonal slow period and couldn't qualify for a traditional bank loan due to their limited operating history of just 18 months.
Our Solution
We provided Fresh Harvest with a merchant cash advance tailored to their needs:
- $75,000 advance with funding delivered in just 48 hours
- Repayment structure based on 8% of daily credit card sales
- No fixed payment amounts, allowing flexibility during slower periods
The Results
- Revenue increase
- 47%
- Inventory expansion
- 65%
- Customer satisfaction
- 92%
"The merchant cash advance was exactly what our growing business needed. Traditional financing wasn't an option for us, but this solution provided the capital we needed without the stress of fixed monthly payments. The flexible repayment structure worked perfectly with our seasonal business cycle."
— Olivia Bennett, Co-owner
Need working capital fast?
Our funding experts are ready to help you get the capital you need with terms that work for your business.