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Merchant cash advance
Business Cash Advance (MCA)
A business cash advance gives you fast access to capital based on revenue, not just credit. Compare weekly repayment structures, faster approval, and more flexible access than traditional lending.
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$5K–$1M
Funding Range
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1-3 days
Funding Speed
Weekly/Daily
Repayment
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600+
Credit Score
WHY MCA
Why Choose Business Cash Advance?
A fast business cash advance can make sense when traditional loans are too slow, especially for owners with urgent funding needs or weaker credit profiles.
Equipment Replacement
Repayment scales with your business performance. Unlike fixed monthly loans, weekly payments adjust naturally with your revenue cycles—pay more when business is strong, less during slow weeks.
No crushing fixed monthly payments
Payments align with cash flow
Easier to manage during seasonal dips
Any Business Type Welcome
Restaurants, retail, contractors, service businesses—if you process transactions or have consistent revenue, you qualify. No industry restrictions or preferred sectors.
Approval based on revenue, not industry
Works for B2B and B2C businesses
High-risk industries accepted
Lower Qualification Bar
Poor credit? New business? Recent bankruptcy? MCAs look at your sales data, not your credit history. As long as you are generating revenue, you have a path to funding.
Credit scores as low as 600
6+ months in business (vs 2+ years for banks)
No collateral required in most cases
COMPARE
How Business Cash Advance Compares
This business cash advance vs traditional financing comparison shows where merchant cash advance structures win on speed and flexibility—and where loans or lines of credit may be a better fit.
Feature
Business Cash Advance
Term Loan
Line of Credit
Approval Speed
24-48 hours
2-6 weeks
1-3 weeks
Credit Score
600
680+
650+
Time in Business
6+ months
2+ years
1+ year
Repayment Structure
Weekly/Daily (% of revenue)
Fixed monthly
Interest on balance
Approval Based On
Revenue & sales volume
Credit & collateral
Credit & financials
Typical Cost
1.25-1.40 factor (15-50%)
7-15% APR
10-25% APR
Documentation
Minimal (bank statements)
Extensive (tax returns, financials)
Moderate (financials)
Best For
Fast funding, poor credit
Large amounts, low cost
Flexible ongoing needs
CALCULATE YOUR COSTS
Calculate Your Weekly Payment
Use this calculator to estimate weekly payment, total payback, and business cash advance cost based on your amount, factor rate, and term.
WHEN TO USE
When Should You Use a Business Cash Advance?
A business cash advance works best when speed matters, revenue is active, and the funding will solve a short-term business need with a clear return.
Emergency Expenses
BEST FIT
Good Fit
Equipment breakdown affecting operations
Urgent repair or replacement needed
Time-sensitive opportunity
Growth Opportunity
BEST FIT
Good Fit
Inventory purchase for seasonal demand
Marketing campaign with quick ROI
Expanding to new location
Seasonal Cash Flow
Conditional
Good Fit
Bridge gap between slow and peak seasons
Stock up before busy period
Cover payroll during off-season
Revenue-Generating Investment
conditional
Good Fit
New equipment that increases capacity
Hiring to fulfill large contract
Technology that improves efficiency
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Not Ideal For
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These situations typically call for different financing solutions
New equipment that increases capacity
Long-term investments with slow payback
Personal expenses or non-business use
Paying off other high-cost debt
Refinancing existing MCAs (stacking)
HOW IT WORKS
How to Apply for a Business Cash Advance
From application to funding in 4 simple steps. Most businesses get approved within 24-48 hours.
Application
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Submit basic business info online
Provide credit score and revenue estimates
Initial soft credit check (no impact)
Receive preliminary offer range
Recommendation:
💡 Have your last 3 months of bank statements ready—speeds things up.
Underwriting
Sign contract electronically
Funds deposited to business account
Automatic weekly debit setup
Repayment schedule confirmed
Recommendation:
💡 Budget for the first payment before it hits—do not get caught off guard.
Approval
Review factor rate and total cost
Confirm weekly payment amount
Check contract for prepayment terms
Ask questions—our advisors can help
Recommendation:
💡 Do not sign if you do not understand the terms. Call us and we will walk you through it.
Funding
Sign contract electronically
Funds deposited to business account
Automatic weekly debit setup
Repayment schedule confirmed
Recommendation:
💡 Budget for the first payment before it hits—do not get caught off guard.
ALTERNATIVES
Better Alternatives
Before committing to a business cash advance, explore lower-cost alternatives that may offer better long-term terms for your business.
HVAC Contractor
$75,000
USE CASE
Replace broken service trucks—could not complete jobs without them
TIMELINE
36 hours approval to funding
TIMELINE
Back to full capacity in 2 days. Repaid MCA in 8 months from increased job volume.
E-commerce Store
$120,000
USE CASE
Stock inventory for Black Friday—supplier required payment upfront
TIMELINE
48 hours approval to funding
TIMELINE
Holiday sales up 180%. Paid off MCA in 5 months. Now has LOC in place for next year.
Medical Practice
$50,000
USE CASE
Upgrade EHR system to meet new compliance deadline
TIMELINE
72 hours approval to funding
TIMELINE
Avoided $25K/month penalty. Weekly payments manageable. Refinanced into term loan after 4 months.
HVAC Contractor
$75,000
USE CASE
Open 2nd location in prime spot—lease required immediate commitment
TIMELINE
5 days approval to funding
TIMELINE
New location profitable within 3 months. Used cash flow from both locations to repay in 10 months.
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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