A Merchant Cash Advance (MCA) is a fast, accessible form of business financing where a funder provides a lump sum of capital in exchange for a fixed percentage of the business’s future daily sales — repaid automatically until the full amount plus fees is collected.
It’s a purchase of future revenue.
Repayment is a daily automatic debit (a “holdback”) — typically 10–20% of daily sales.
Cost is expressed as a factor rate (e.g., 1.35), not an interest rate.
The MCA is one of the most accessible — and most expensive — financing products in the market. It works best as a short-term bridge, not a long-term strategy.
Unlike traditional loans, an MCA provides funding in exchange for a fixed percentage of future daily sales, with repayment automatically adjusting based on your business revenue.
Monthly revenue (typically $10,000+ minimum)
Time in business (usually 6+ months)
Credit score matters less than with traditional loans
Recent bank statements are the primary underwriting tool
You’re cash-flow-negative, covering recurring expenses, or don’t have a defined exit from the MCA.
You’re cash-flow-negative, covering recurring expenses, or don’t have a defined exit from the MCA.
No smoke. No mirrors. Just a clear path to capital.
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