Merchant Cash Advance
Revenue-based financing for eligible businesses, with repayment tied to your sales.
Apply Now →What is Merchant Cash Advance?
A merchant cash advance (MCA) provides a lump sum of capital in exchange for a percentage of your future sales, rather than fixed monthly payments.
How it works
From application to funding, in 4 steps.
Apply
Share your sales history and business information.
Get an Offer
Receive an advance offer based on your sales volume.
Receive Funds
Get your advance, often faster than other funding types.
Repay from Sales
Repayment is collected as a percentage of your ongoing sales.
Who it's for
MCAs generally suit businesses with strong, consistent card or sales volume that want fast access to capital and prefer repayment that flexes with revenue rather than a fixed schedule.
Benefits
Repayment Flexes with Sales
Slower sales periods generally mean slower repayment.
Fast Access
Can be quicker to obtain than some other funding types.
Sales-Based Qualification
Weighted toward your sales history.
Qualification & required documents
Qualification is often weighted toward your sales history. Commonly requested items include:
Your funding specialist will confirm the full requirements for your matched program.
Example scenarios
A few ways businesses put Merchant Cash Advance to work.
Urgent Equipment Repair
Fast access to capital for a time-sensitive need.
Strong Sales, Limited Collateral
Qualifying based on sales history rather than assets.
Bridging a Short-Term Gap
Covering a temporary cash flow need.
How it compares
A starting point - your funding specialist will confirm what fits your business.
| Compared To | Key Difference |
|---|---|
| MCA vs. Term Loan: | An MCA’s repayment flexes with your sales volume, while a term loan has fixed payments regardless of revenue – MCAs can be faster to obtain, term loans are generally more predictable. |
Frequently asked questions
Industries we fund
Common funding needs this covers
Ready to explore Merchant Cash Advance?
One application, matched to funding options across our lending network.