Turn future sales into
upfront cash today.
Skip the bank queues and rigid monthly payments. Access up to $500,000 in working capital based on your daily credit card sales or bank deposits. Funding in as little as 24 hours.
- No fixed payments. Remittances adapt to your sales volume.
- Unsecured capital with zero hard collateral required.
- Approvals based on revenue, not just your credit score.
Pay As You Grow
Unlike a traditional loan, your repayment flexes with your business. If sales are slow, your remittance drops. If sales are high, you pay it off faster.
Lightning Fast Funding
By analyzing your recent merchant processing statements or bank data, we can approve your advance in hours and wire funds the next day.
No Traditional Interest
An MCA uses a simple fixed factor rate. You know exactly what the total repayment amount will be on day one, with no compounding interest traps.
Check Your Max Advance
See how much capital your revenue generates. Zero obligation.
Ideal for High-Volume Processing
If your business processes a high volume of credit card transactions or daily bank deposits, you are sitting on untapped capital. MCA is built for speed and agility.
Restaurants & Bars
Cover unexpected equipment repairs, massive inventory orders, or payroll gaps during slow seasonal shifts.
E-Commerce & Digital
Aggressively fund digital ad spend and bulk inventory purchases leading up to Q4 and major holiday sales events.
Retail Storefronts
Access cash to open a second location, renovate your current storefront, or stock up on fast-moving seasonal inventory.
Seasonal Services
Bridge the cash flow gap during the off-season for HVAC companies, landscapers, and heavy equipment contractors.
Advance & Remittance Estimator
See how much capital you can access based on your revenue. Discover your total payback amount and visualize what the daily slice of your sales will look like.
Revenue Parameters
Based on credit card sales or bank deposits.
Multiplied by your advance to equal total payback.
The % of daily sales remitted to pay off the advance.
Your Capital Structure
Eligible Advance Amount
$55,000
Total Payback Amount
$68,750
Estimated Daily Remittance
This is dynamic! If you make exactly your average revenue (assuming 22 working days/mo), you'll remit this amount. If you have a slow day, this amount shrinks automatically.
*Educational tool only. Most providers advance roughly 100% to 120% of your average monthly revenue. Your exact advance, factor rate, and holdback will be determined during underwriting.
The Modern Alternative to Banking
Traditional banks demand perfect credit and take months to fund. Discover why an MCA is the preferred tool for high-velocity businesses.
| Feature | Merchant Cash Advance | Bank Loan | Business Credit Card |
|---|---|---|---|
| Speed to Capital | 24 - 48 Hours | 30 - 90 Days | Immediate (if approved) |
| Payment Structure | Flexes with daily sales | Rigid, fixed monthly sum | Minimum monthly sum |
| Credit Requirement | Low (Revenue focused) | Excellent FICO Required | Good FICO Required |
| Collateral Needed? | None (Unsecured) | Business Assets / Real Estate | Personal Guarantee |
The Fast Track to Funding
1. Connect Your Revenue
Securely link your business bank account or merchant processing terminal to verify your recent sales history.
2. Automated Underwriting
Algorithms instantly analyze your cash flow to generate an offer detailing your advance amount and factor rate.
3. Cash Deployed
Upon digital signature, the lump sum is wired into your operating account. A small, agreed-upon percentage is then automatically deducted from your daily sales.
Merchant Advance FAQs
Clear answers for fast-moving business owners.
Is an MCA a loan?
No, a Merchant Cash Advance is technically not a loan. It is the purchase of your future credit card sales or bank deposits at a discount. Because it's not a loan, it avoids the strict regulations and slow underwriting of traditional bank debt.
What is a "Factor Rate"?
Instead of compounding interest (APR), MCAs use a simple factor rate—typically between 1.10 and 1.50. If you receive a $10,000 advance with a 1.20 factor rate, your total payback amount is exactly $12,000. It never compounds, no matter how long it takes to pay back.
What happens if my sales drop?
That is the primary benefit of an MCA. Because the remittance is a fixed percentage of your daily sales (e.g., 10%), the actual dollar amount you pay drops on slow days. If you have a bad week, your cash flow isn't choked by a massive fixed loan payment.