CREDIT CARD SPLIT
Repayment that adjusts with your sales.
An MCA structured to repay via a fixed percentage of daily card processing. When sales slow, repayment slows. When sales pick up, you finish faster.
Same as an MCA — with a different repayment shape.
Credit card split funding is structurally an MCA, but the repayment is a percentage of each day card volume rather than a fixed dollar amount. For businesses with seasonal or variable cash flow — restaurants, salons, retail — the split feels less punishing on slow days.
We use this structure when a fixed daily holdback would create undue hardship. Same speed, same documentation, friendlier rhythm.
KEY TERMS
Split funding specs
Repayment
Fixed % of daily card volume — typically 8% to 18% — until total is repaid.
Funding speed
Same-day to 48 hours. Identical to standard MCA underwriting.
Best for
Seasonal businesses, weather-dependent operators, brick-and-mortar retail.
INDUSTRIES THAT USE THIS
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