Merchant Cash Advance
Capital based on your future sales.
A Merchant Cash Advance (MCA) provides a lump sum of capital in exchange for a percentage of your future credit card or bank revenue. This is not technically a loan; it is an advance on your future sales.
MCAs are the fastest and most accessible form of business financing available. They are heavily favored by retail shops, restaurants, and businesses with high credit card volume. Repayment ebbs and flows with your sales—if you have a slow day, you pay less. If you have a busy day, you pay more. There is no fixed term, making it incredibly flexible for businesses with seasonal fluctuations.
Why choose this option?
- ✔ Funding in as little as 24 hours
- ✔ Approvals heavily based on revenue, not just credit score
- ✔ Flexible payments that adjust with your sales volume
- ✔ No collateral required
- ✔ Perfect for businesses with strong daily cash flow