Merchant Cash Advance
Fast capital based on your future sales — no collateral, no fixed monthly bank-loan payments, and decisions in hours.
Funding that flexes with your business.
A merchant cash advance (MCA) is not a loan. It's the purchase of a portion of your business's future receivables at a discount. You get a lump sum of cash upfront, and we're repaid through a small, agreed-upon percentage of your sales — automatically.
Because the advance is based on your revenue, approvals are faster and credit requirements are more flexible than a traditional bank loan. And because there's no collateral, your personal and business assets are never at risk.
- Approvals based on revenue, not just credit
- No collateral or real estate required
- Funds in as little as 24 hours
- Use funds for any business purpose
How an advance might look
Your business deposits about $80K per month.
Funds deposited into your account within 24 hours.
A fixed amount sized to your cash flow until the agreed total is reached.
*Illustrative only. Actual offers depend on your business's qualifications.
Why businesses choose an MCA
Speed
MCA: decision in hours, funds in 24 hours.
Bank: weeks to months of underwriting.
Collateral
MCA: none required.
Bank: often requires real estate or other assets.
Credit
MCA: 550+ considered; revenue matters most.
Bank: typically requires 680+ and strong history.
Ready to fuel your next move?
Apply in minutes and get a decision fast. Checking your options won't affect your credit score.