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
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%.
Composite outcomes based on client engagements; individual results vary.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.