A lump sum of cash in exchange for a percentage of your future sales, repaid through daily or weekly deductions. From $5K to $5M, funded in as little as 1-2 business days.
Apply NowComplete a brief application with your business details, funding needs, and financial history. Our team reviews every submission within 24 hours.
We compare offers from multiple funding partners to find the best factor rate and terms for your business. You receive options within hours.
Once approved, we coordinate closing with the SBA-approved lender. Funds are deposited directly into your business account within the agreed timeline.
A merchant cash advance is not technically a loan. It is a purchase of your future receivables at a discount. You receive a lump sum of capital and repay it through a fixed percentage of your daily or weekly sales. Because it is based on revenue rather than credit alone, approval rates are significantly higher than traditional loans.
Most MCA applications are approved within 24 hours, and funds are deposited within 1-2 business days after approval. In urgent cases, same-day funding may be available. The speed depends on how quickly you submit your bank statements and application.
The minimum credit score for an MCA is 475. Because approval is based primarily on your business revenue and cash flow rather than personal credit, many business owners who have been declined by banks can still qualify for an MCA.
Repayment is made through automatic daily, weekly, or bi-weekly debits from your business bank account. The amount is fixed and based on the agreed-upon terms. Unlike a loan, there is no interest rate. Instead, you pay back a fixed total amount determined by the factor rate at the time of funding.
Apply for a merchant cash advance today. Most businesses are approved within 24 hours and funded in 1-2 days.
Get Funded NowSelect your funding type to get started.