MERCHANT CASH ADVANCE
Same-day capital against your future card sales.
Future-receivables advance designed for businesses with consistent card revenue. Funded same day, repaid via daily holdback that adjusts with your sales.
What an MCA actually is.
An MCA is not a loan. We purchase a defined amount of your future card receivables at a discount, and you repay the total over time via a small daily or weekly holdback from your card processor. There is no fixed monthly payment and no APR — repayment naturally scales with your revenue.
It is the fastest path to working capital for businesses with steady card volume. We fund as little as $10,000 and as much as $1,000,000, often the same day you apply, with minimal documentation and no hard credit pull until you accept an offer.
KEY TERMS
MCA in three numbers
Funding speed
Same-day to 24 hours. Most MCAs we fund land in the borrower account before close of business.
What we look at
Three to six months of business bank statements. Card volume, deposit consistency, and existing obligations — not personal FICO.
What it costs
Priced as a factor rate (e.g. 1.20–1.40), not APR. We will walk you through the true cost of capital and break-even versus alternatives.
INDUSTRIES THAT USE THIS
Ready to talk to your specialist?
Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.