A Merchant Cash Advance is a form of business funding where a company receives a lump sum of cash upfront in exchange for a portion of its future credit card or debit card sales. It is not a loan—it’s an advance on future revenue, making it accessible for businesses that may not qualify for traditional financing.
A lender provides upfront capital. The business agrees to repay the advance through a percentage of daily or weekly sales. Payments automatically adjust with revenue—higher on busy days, lower on slow days. Instead of an interest rate, MCAs use a factor rate to determine the total payback amount.
• Fast funding: Approval and funding can happen within 24–48 hours.
• Easy qualification: Minimal documentation and lower credit requirements.
• Flexible repayment: Payments rise and fall with your sales volume.
• No collateral required: Many MCAs are unsecured, making them accessible for businesses without significant assets.
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