Merchant Cash Advance
Revenue-based funding that works with your cash flow, not against it.
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What is Merchant Cash Advance?
A merchant cash advance provides a lump sum of capital in exchange for a percentage of your future sales. Unlike traditional loans, MCAs are based on your business revenue — not your credit score. Repayment adjusts with your sales volume, so you pay more when business is good and less when it slows down.
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Frequently Asked Questions
How is an MCA different from a loan?
An MCA is a purchase of future receivables, not a loan. There's no interest rate — instead, you agree to a factor rate (typically 1.1 to 1.5). There's no fixed term, and repayment adjusts with your sales volume.
Will an MCA affect my credit score?
Most MCA providers do not report to credit bureaus, so it typically won't affect your personal credit score. However, defaulting on an MCA can lead to collections activity.
How much can I get?
MCA amounts typically range from $5,000 to $500,000, based on your monthly revenue. Most funders offer between 1x and 1.5x your average monthly revenue.
How fast can I get funded?
Most MCA funders can approve and fund within 24-48 hours of receiving your complete application and bank statements.
See If You Qualify for Merchant Cash Advance
Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.