Access capital in 1-2 days with flexible repayment schedules strictly tied to sales.
Turn your daily credit card sales and transactional volume into immediate liquidity for your business. A Merchant Cash Advance (MCA) provides an upfront lump sum by purchasing a specific portion of your future receivables, offering a fast funding source without rigid monthly terms.
Send us your recent merchant processing statements and business bank history to demonstrate your daily sales volume. We evaluate your regular credit card receipts and transactional patterns to determine how much cash we can advance against your future sales.
We present a formal advance offer featuring a fixed factor rate, showing the exact total amount of future sales we will purchase. You will know the upfront lump sum available to you and the specific percentage of daily receipts used to clear the balance.
The lump-sum cash advance is deposited directly into your business bank account for immediate use on any operational need. Repayments are automatically deducted as a small, fixed percentage of your daily credit card sales or via a weekly or monthly ACH sweep.
With access to 60+ lenders, we guarantee you multiple paths to close, provided you qualify.
Since September, 2023, we’ve deployed $114M+ to clients across an array of industries.
A Merchant Cash Advance (MCA) is not a loan, but rather the commercial purchase of a business’s future receivables. A funding provider advances a lump sum of cash to a business upfront in exchange for the right to buy a specific portion of that business’s daily credit card or bank sales at a discounted rate.
The provider advances capital and applies a fixed cost multiplier, known as a factor rate (such as 1.2x or 1.3x), to determine the total repayment amount. Instead of fixed monthly payments, the balance is cleared automatically via daily or weekly deductions—either through a percentage split of credit card processing volume or a fixed ACH sweep from the business bank account.
An MCA is typically used when a business faces immediate, short-term cash flow gaps, for exigent opportunities or emergencies. Because the cost of capital is higher than traditional bank products, it is best suited for bridge financing rather than long-term strategic projects.
Qualification relies primarily on consistent daily or weekly transaction volume rather than hard assets or high credit scores. Businesses usually need at least 3 to 6 months of operating history, stable monthly gross deposits (often $10,000 or more), and a clean commercial bank account with minimal overdrafts.
Most MCA purport to offer a “purchase and sale” of future Accounts Receivable under the UCC. In a true MCA, a slow down in sales resulting in an inability to pay is not an event of default. However, many MCA funder include “catch all” language that results in an absolute right to collect. In that regard, there are many MCA that are, in practice, loans. Buyer beware, and we can help you navigate the industry so you actually receive the type of funding you think you’re signing up for.