Merchant Cash Advance (MCA)
Cash Advance for Your Business
Fast financing based on revenue, not your credit.
What is an MCA?
A Merchant Cash Advance (MCA) provides cash advances based on your daily, weekly, or monthly sales. It’s not a traditional loan; it’s a cash advance.
Who This Is For
Business owners who need fast working capital and have consistent daily or weekly revenue — including retail, restaurant, service, and e-commerce operators.
When It’s Used:
When a business needs capital quickly for inventory, payroll, equipment, or growth and cannot wait for traditional bank underwriting timelines.
Why It Matters:
MCA is structured around revenue, not credit score or collateral — making it accessible to businesses that may not qualify for conventional loans but have proven cash flow.
- Available for both individual and entity borrowing (including LLC and corporate structures), depending on the investor’s strategy, lender guidelines, and jurisdictional considerations.
- In certain jurisdictions, entity vesting is preferred for business-purpose lending to streamline execution and avoid regulatory or foreclosure complexities.
⭐ Advantages
🟢 Approval withing hours
🟢 No collateral required
🟢 Low credit score accepted
🟢 Ideal for emergencies
🟢 Fast funding
⭐ Requirements
• 12 months in business
• Sales from $20,000/month
• 3 to 6 month of bank statements
• Identification