Business Capital
Merchant Cash Advance
Get fast funding based on your future credit card sales. No collateral required, automatic repayment, and approval in as little as 24 hours.
What is a Merchant Cash Advance?
A merchant cash advance (MCA) is a financing option where you receive a lump sum of cash in exchange for a percentage of your future credit card sales. It's not a loan, but rather a purchase of your future receivables.
Repayment is automatic - a percentage of each credit card transaction goes toward paying back the advance. This makes it ideal for businesses with strong card sales who need quick access to capital.
Key Benefits
How Merchant Cash Advances Work
Analyze Sales
Provider reviews your credit card processing history and monthly sales volume
Receive Advance
Get your cash advance, typically 50-200% of your average monthly card sales
Automatic Repayment
A percentage of each credit card transaction goes toward repaying the advance
Complete Payment
Once the full amount is repaid, your normal processing resumes
Perfect For These Business Types
Restaurants & Food Service
High credit card volume makes MCAs ideal for restaurants and food businesses
Retail Stores
Brick-and-mortar and online retailers with strong card sales
Service Businesses
Salons, spas, repair shops, and other service-based businesses
Healthcare Practices
Medical, dental, and veterinary practices with patient card payments
Auto Services
Auto repair shops, car washes, and automotive service businesses
Hospitality
Hotels, motels, and hospitality businesses with guest card payments
MCA Terms & Costs
Factor Rate
The total cost of the advance, typically 1.1x to 1.5x the advance amount. For example, a 1.3 factor rate means you pay back $13,000 on a $10,000 advance.
Holdback Percentage
The percentage of each credit card transaction that goes toward repayment, usually 5-20% depending on your sales volume and advance amount.
Repayment Period
The time it takes to repay the advance, typically 3-18 months depending on your sales volume and holdback percentage.
No Fixed Schedule
Repayment varies with your sales volume - more sales means faster repayment, slower sales mean longer repayment period.
Typical Terms
MCA Requirements
Credit Card Sales
Minimum $2,500-$5,000 monthly credit card processing volume
Time in Business
Often 3+ months, though some providers work with newer businesses
Processing History
Consistent credit card processing history with minimal chargebacks
Documentation
Business license, processing statements, and basic business information
Ready to Get a Merchant Cash Advance?
Get fast funding based on your credit card sales. Connect with MCA providers and get the capital your business needs.