Merchant Cash Advance (MCA)

A Merchant Cash Advance provides quick access to capital based on your business’s sales volume. Instead of requiring collateral, repayment comes as a percentage of future revenue, often collected daily or weekly. With approvals based on recent revenue rather than credit scores, MCAs can be funded in 24–48 hours, giving businesses rapid access to cash.

A Merchant Cash Advance (MCA) is one of the fastest, most flexible funding options for businesses with steady sales. Rather than relying on credit scores or heavy collateral, approval is based primarily on your recent revenue, such as credit card processing or daily sales. Once approved, you receive a lump sum of capital upfront in exchange for a percentage of future sales, collected through daily or weekly payments. This makes MCAs particularly attractive to businesses with strong sales volume but limited traditional financing options. The application process is simple, and funds can often be approved and disbursed within 24 to 48 hours. While costs are typically higher than other loan products, the speed, accessibility, and flexibility of MCAs make them an excellent solution for businesses that need cash quickly to seize opportunities or cover urgent expenses.