Merchant Cash Advance · $5K – $250K

Cash now — paid back as sales come in.

An advance against future card sales with repayment that scales with your revenue. Busy week? Bigger payment. Slow week? Smaller one. Built for businesses that swipe cards all day.

Same-day funding available
Repayment adjusts with daily sales
Credit score 500+ accepted

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Features

How the MCA program works

Unique structure designed specifically for businesses with steady card-processing volume.

$5,000 – $250,000

Advance sized to your monthly card processing volume.

Automatic collection

A fixed percentage of daily card sales is collected automatically.

6 – 18 month terms

Flexible repayment windows that flex with seasonal business swings.

Same-day funding

Most applications are processed and funded the same business day.

Flexible qualification

Approval weighted toward card-sales history, not just credit score.

Sales-based repayment

Pay more when you're busy; pay less when you're slow.

How It Works

Three simple steps

You receive cash

We advance a lump sum based on your future card-sales volume.

We collect daily

A small, fixed percentage of card sales is collected each day automatically.

Advance repaid

Once the total is collected, you're done — and eligible to apply again.

Example scenario

$50,000

Advance received

15%

Daily collection rate

$65,000

Total repayment

With $1,000/day in card sales, you'd pay about $150/day until $65,000 is collected — roughly 14 months.

Who It's For

Built for card-heavy businesses

MCAs work best when you have consistent, predictable card-sales volume month over month.

Restaurants & food service

Cover seasonal swings, repairs, inventory, or expansion with payments that flex with sales.

Retail

Stock for peak seasons, renovate, or smooth out slower months.

Salons & spas

Upgrade equipment, renovate, or manage staffing around service volume.

Auto services

Invest in tools, expand bays, or handle urgent shop expenses.

Hospitality

Improve guest experience and manage seasonal cash flow for hotels and B&Bs.

Service businesses

Any business that regularly processes cards can benefit from this structure.

Advantages

Why a merchant cash advance

No fixed payments. Payments flex with your sales, so slow weeks don't crush you.
Quick access. Approved and funded within hours, not weeks.
No collateral. Unsecured, based on your processing history.
Automatic collection. No invoices or due dates to track.
Flexible qualification. Approval driven by card sales, not just credit score.

Requirements

Straightforward qualifications

Processing requirements

$5,000+ monthly in card sales
3+ months processing history
Consistent transaction volume
Low chargeback ratio

Business requirements

3+ months in business
US-based business
Valid business registration
Credit score 500+ (flexible)

Limited processing history?

We can look at alternative documentation. Call a specialist about your situation before you assume you won't qualify.

Speak With a Specialist