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Merchant Cash Advance
Merchant Cash Advance
Fast funding based on future sales. Get capital in 1-3 days with flexible repayment tied to your revenue—ideal for businesses with strong card sales.
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Common Use Cases
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Working Capital
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Inventory
Payroll
Marketing
Typical Terms
Funding Speed
1-3 Days
Amount Range
$5K - $600K
Repayment
6 - 36 Months
Approval
Flexible Credit
Quick Summary
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a traditional loan—it's a purchase of your future credit card sales or receivables. You receive a lump sum of capital upfront and repay it through a fixed percentage of your daily or weekly sales revenue.
Unlike fixed loan payments, your repayment amount adjusts automatically based on business performance, making it particularly attractive for businesses with seasonal or fluctuating revenue.
Revenue-Based Funding
Capital is advanced against future sales—not structured as a traditional loan.
Fast Access to Capital
Funding can be completed quickly, often within 24–48 hours after approval.
Flexible Repayment Structure
Repayments adjust with daily sales, with no fixed monthly payment schedule.
MCA COST ESTIMATE
Calculate Your MCA Payback
Adjust the amount to see an estimate of what you receive, what you repay, and your total cost based on a sample factor rate. Actual pricing varies by provider and business profile.
Ideal Scenarios
MCA vs. Alternatives
Feature
MCA
Term Loan
Line of Credit
Invoice Factoring
Speed
1-3 days
1-4 weeks
1-2 weeks
1-5 days
Requirements
Minimal (credit card sales)
Moderate (620+ credit)
Moderate (620+ credit)
B2B invoices required
Repayment
% of daily/weekly sales
Fixed monthly payment
Minimum monthly payment
Per invoice sold
Cost Predictability
Fixed total, variable timing
Fully predictable
Pay for what you use
Per-invoice fees
Balanced Perspective
Benefits & Tradeoffs
A quick overview of the key pros and cons to help you decide if an MCA is right for your business.
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Benefits
Lightning-fast funding (1-3 days)
Flexible credit requirements
Revenue-based repayment adjusts with sales
No fixed monthly obligations
Minimal documentation needed
No collateral required in most cases
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Tradeoffs
Higher costs than traditional financing
Daily debits can strain cash flow
No early payoff discount
Risk of renewal cycle dependency
Less regulatory protection
Can limit future financing options
Advisory Guidance
Not sure which structure fits your business? Our advisors evaluate your specific situation—capital need, cash flow capacity, and strategic timeline—to recommend the optimal term length and connect you with appropriate lenders.
Ideal Scenarios
When MCA Makes Sense
Common situations where merchant cash advances can be a practical solution
Seasonal Inventory
Cash Flow Gaps
Payroll Coverage
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Marketing Campaign
Emergency Repairs
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Restaurant Operations
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Retail Expansion
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Equipment Purchase
Learn More
Explore MCA Topics
Comprehensive guides covering every aspect of merchant cash advances
Costs & Terms
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MCA Rates & Factor Rate
Understanding pricing, costs, and effective APR
Risks & Pitfalls
MCA Hidden Fees
What to watch for: reconciliation fees, renewals, and more
Eligibility & Process
MCA Requirements
What you need to qualify for a merchant cash advance
Costs & Terms
MCA vs Traditional Loan
Side-by-side comparison of costs, terms, and requirements
Eligibility & Process
MCA Risk Guide
How MCAs work for businesses with challenged credit
USE CASES
MCA Business Types
Industries and scenarios where MCAs make sense
Alternatives
Business Cash Advance
Broader overview of cash advance products
Use Cases
Restaurant MCA Guide
Specialized guide for food service businesses
Alternatives
Revenue-Based Financing
Alternative to MCA with similar repayment structure
Alternatives
Credit Card Sales Loan
Advances secured by card processing volume
Alternatives
Future Receivable Financing
Selling future income for immediate capital
MCA Basics
MCA Glossary
Essential terms: factor rate, holdback, receivables, and more
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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