A merchant cash advance gives your business immediate working capital based on your future revenue — no collateral, no fixed payments, no waiting. Same-day decisions. 24-hour funding.
A merchant cash advance is not a loan. It is a purchase of your future business revenue at a discount. A funder provides you a lump sum today, and you repay it through a small, automatic percentage of your daily or weekly deposits — called a holdback or remittance rate.
Because repayment moves with your revenue, slow days mean smaller remittances. There is no fixed due date, no monthly statement, and no interest rate. The cost is represented as a factor rate — a simple multiplier applied to your advance amount.
MCAs are designed for businesses that need fast capital without the red tape of a traditional bank loan. Approval is based primarily on your monthly revenue and cash flow — not your credit score or years of tax returns.
Remittance adjusts with your daily revenue — slow weeks mean smaller payments.
No personal property, equipment, or assets required to secure the advance.
Qualify based on monthly deposits and bank statement health — not credit.
From application to funded in as little as 24 hours for qualified files.
1st through 5th position accepted. Stacking is our specialty.
Large deal appetite with in-house capital. No brokering, no delays.
Name, business, revenue — no SSN required to start.
3–6 months of business bank statements for underwriting.
A senior underwriter reviews and issues an offer — often within hours.
Capital wired directly to your business bank account.
From covering payroll gaps to funding a second location, MCA capital is flexible — spend it on whatever your business needs most.
Cover payroll during slow seasons or while waiting on receivables.
Stock up before peak season without draining reserves.
Fix or replace critical equipment before it costs you more.
Fund a new location, renovation, or service area expansion.
Launch a campaign when opportunity is seasonal or time-sensitive.
Bridge the gap when quarterly or annual taxes come due.
2-minute form — same-day decision, 24-hour funding
Find city-specific funding pages near you — same-day decisions, 24-hour funding.
Find city-specific funding pages in your state.