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Merchant cash advance
Business Types
Discover which industries benefit most from MCA funding, with real data, success stories, and calculators.
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Industry Overview
Industries Covered
8 business types
Approval Range
84–95%
Funding Range
$10K–$1M
Funding Speed
36–72 hours
Industry Fit
Choose Your Industry
Click to see detailed funding information, approval rates, and real success stories.
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Active funders
High-volume card transactions
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Retail Stores
Steady foot traffic + card sales
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Salons & Spas
Service-based, high card usage
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Hotels & Lodging
Travel industry, card-heavy
E-commerce
100% digital, all card payments
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Transportation
Logistics & delivery services
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Gyms & Fitness
Membership + retail sales
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Healthcare
Medical practices & clinics
Restaurants
High-volume card transactions
Approval Rate
92%
Avg Advance
$75K
Card Sales %
65-85%
Min Revenue
$20K/mo
Why Perfect for MCAs
Daily credit card sales provide steady repayment stream
Seasonal demand spikes require fast inventory funding
Equipment breakdowns need immediate capital response
No traditional collateral required beyond sales history
Fast approval process matches restaurant urgency
Flexible repayment aligns with revenue fluctuations
Success Story
Italian Bistro - Brooklyn, NY
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Advance Amount
$85,000
Used For
Kitchen equipment upgrade + seasonal inventory
Result
Increased capacity 40%, repaid in 9 months, revenue up 35%
Retail Stores
Steady foot traffic + card sales
Approval Rate
89%
Avg Advance
$60K
Card Sales %
70–90%
Min Revenue
$20K/mo
Why Perfect for MCAs
High percentage of card transactions ensures repayment visibility
Seasonal inventory purchases require flexible funding timing
Quick access to capital for unexpected opportunities (bulk deals)
No need to pledge store inventory or fixtures as collateral
Approval based on sales volume, not credit score
Fast funding allows quick response to market trends
Success Story
Boutique Clothing Store – Austin, TX
Advance Amount
$50,000
Used For
Fall/winter inventory purchase + store refresh
Result
Sold out seasonal collection, 22% profit margin, fully repaid
Salons & Spas
Service-based, high card usage
Approval Rate
91%
Avg Advance
$45K
Card Sales %
75–95%
Min Revenue
$15K/mo
Why Perfect for MCAs
Nearly all transactions via credit/debit cards (perfect MCA fit)
Low overhead businesses with strong cash flow visibility
Equipment upgrades (chairs, dryers, massage tables) need fast funding
Marketing campaigns drive immediate appointment bookings
Minimal collateral requirements match lean business model
Daily repayment structure mirrors service appointment flow
Success Story
Day Spa – Miami, FL
Advance Amount
$40,000
Used For
New massage equipment + digital marketing campaign
Result
60% booking increase, equipment paid off in 8 months
Hotels & Lodging
Travel industry, card-heavy
Approval Rate
87%
Avg Advance
$125K
Card Sales %
85–95%
Min Revenue
$50K/mo
Why Perfect for MCAs
Virtually 100% card transactions (online bookings + in-person)
Seasonal travel patterns require flexible capital access
Property maintenance and renovations can't wait for bank loans
OTA (Airbnb, Booking.com) payments integrate seamlessly
High-dollar transactions mean faster repayment on advances
Tourism surges allow accelerated payoff during peak season
Success Story
Boutique Hotel – Charleston, SC
Advance Amount
$150,000
Used For
Room renovations + summer marketing push
Result
Occupancy up 45%, tripled positive reviews, repaid in 11 months
E-commerce
100% digital, all card payments
Approval Rate
94%
Avg Advance
$80K
Card Sales %
95–100%
Min Revenue
$30K/mo
Why Perfect for MCAs
100% of sales are card/digital payments (ideal MCA profile)
Payment processor integration provides real-time sales data
Inventory restocking for trending products requires speed
Ad spend optimization needs immediate capital injection
No physical collateral needed (inventory may be dropshipped)
Seasonal sales spikes (Q4) allow strategic advance timing
Success Story
Home Goods E-commerce – Remote
Advance Amount
$95,000
Used For
Q4 inventory purchase + Facebook/Google ad campaigns
Result
3.2x ROAS, $280K holiday revenue, advance cleared in 7 months
Transportation
Logistics & delivery services
Approval Rate
84%
Avg Advance
$70K
Card Sales %
40–60%
Min Revenue
$35K/mo
Why Perfect for MCAs
Fleet maintenance and fuel costs require immediate access to capital
B2B invoicing combined with some card payments works for MCA
Time-sensitive repairs (vehicle breakdowns) match MCA speed
Contract opportunities need fast equipment acquisition
Flexible repayment adjusts to revenue fluctuations
Can structure around invoice factoring + card sales hybrid
Success Story
Local Delivery Service – Denver, CO
Advance Amount
$65,000
Used For
Two new cargo vans + fuel reserve fund
Result
Expanded delivery radius, 30% more contracts, repaid in 10 months
Gyms & Fitness
Membership + retail sales
Approval Rate
88%
Avg Advance
$55K
Card Sales %
80–95%
Min Revenue
$20K/mo
Why Perfect for MCAs
Monthly membership fees processed via card provide predictable revenue
Retail sales (supplements, apparel) add to card transaction volume
Equipment upgrades essential for member retention and safety
Marketing for "New Year" or summer campaigns needs upfront capital
Fast funding allows competitive response to new gym openings
Automatic billing systems integrate with MCA repayment
Success Story
CrossFit Gym – Portland, OR
Advance Amount
$60,000
Used For
New equipment + 3-month marketing blitz
Result
85 new members, equipment ROI in 6 months, full repayment
Healthcare
Medical practices & clinics
Approval Rate
86%
Avg Advance
$90K
Card Sales %
50–70%
Min Revenue
$40K/mo
Why Perfect for MCAs
Patient co-pays and self-pay services generate card revenue
Medical equipment purchases can't wait for lengthy bank approvals
Practice expansion (new locations, staff) requires fast capital
Insurance reimbursements supplement card payment stream
Technology upgrades (EMR systems) need immediate funding
Flexible structure accommodates mixed revenue sources
Success Story
Urgent Care Clinic – Phoenix, AZ
Advance Amount
$100,000
Used For
Digital X-ray system + EMR software upgrade
Result
Patient throughput up 35%, insurance reimbursement faster, repaid in 12 months
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
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We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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