Merchant Cash Advance
Fast Access to Capital Based on Your Sales Performance
A Merchant Cash Advance provides immediate working capital in exchange for a portion of your future sales. Instead of fixed monthly payments, repayments are tied directly to your revenue allowing your payments to flex with your business performance.
​
This funding option is ideal for businesses that want capital quick with minimal paperwork and documentation required.
How a Merchant Cash Advance Works
With a merchant cash advance, your business receives an upfront lump sum of capital. Repayment is made via Auto-Debit through a percentage of your daily or weekly sales until the agreed amount is satisfied.
Because repayment is revenue based, slower sales periods allow for an adjustment to lower payments, while stronger sales periods accelerate repayment, never exceeding the maximum amount set on the contract, all while keeping cash flow balanced.
​
We provide all terms upfront, to ensure MCA terms are clear, transparent, and aligned with your business needs.
Key Benefits of Merchant Cash Advances
Fast Funding
Access capital quickly, often much faster than traditional loans.
Simplified Approval Process
Less emphasis on credit scores and more focus on revenue.
.png)
No Fixed Monthly Payments
Reduces pressure during slower business cycles.
Common Uses for Merchant Cash Advances
- Covering short-term cash flow gaps
- Inventory purchases
- Marketing and advertising campaigns
- Emergency repairs or expenses
- Seasonal business support
- Building unsecured business borrowing history
Who Is a Merchant Cash Advance Best For?
Merchant cash advances are best suited for businesses with consistent daily or weekly sales, such as retail stores, restaurants, and service based businesses. This option works well when speed and flexibility are more important than long term repayment periods.
​
We will evaluate your sales performance to help determine if an MCA is the right fit for your business.