Same-day capital priced on your revenue, not your credit.
A Merchant Cash Advance is a purchase of future receivables — not a loan. You receive a lump sum today and repay a fixed total (advance × factor rate) via small daily or weekly ACH pulls tied to your bank activity. Fast, credit-flexible, and unsecured.
Advance Size
$5,000 – $2,000,000
Factor Rate
1.14 – 1.42
Term
4 – 18 Months
Funding Time
Same day possible
Credit Minimum
500 FICO
Payments
Daily / Weekly / Bi-weekly
01
Submit 3 – 4 months of business bank statements.
02
Underwriting reviews average daily balances and deposit consistency.
03
Offers issued the same day; you pick the term and payment cadence.
04
Funds wired same-day or next-day; ACH repayment begins.
Published research and industry data on how merchant cash advance help U.S. businesses grow.
$30+ Billion
Estimated annual U.S. Merchant Cash Advance origination volume — one of the fastest-growing small business finance categories over the last decade.
Source: deBanked / Alternative Finance Industry Reports, 2024
70%+ Approval
Approval rates for MCAs materially exceed bank term loans, particularly for businesses under 2 years old or with sub-680 FICO scores.
Source: Federal Reserve Small Business Credit Survey
24 Hours
Median time from application to funded for MCAs — versus 2–4 weeks for a bank term loan and 30–60 days for SBA.
Source: Federal Reserve Small Business Credit Survey, 2024
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Hospitality
Independent restaurant
$45k MCA funded the same day covered an unexpected walk-in cooler replacement. Restaurant never closed a shift; advance repaid in 7 months.
Trucking
Freight carrier
$120k MCA covered fuel and driver payroll while waiting on 45-day broker settlements — used the capital to accept 4 new lanes and grew monthly revenue 34%.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.