Based mainly on your sales, not just your score. FICO 500+ considered. For established businesses doing $60K or more a month.
Apply in 5 minutesMCA for imperfect credit
A merchant cash advance through our partner, Merchant Fund Express provides cash now, repaid from future sales. The full repayment amount is in your offer up front.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About three months of statements, no tax returns, a 5-minute application. Funding in as little as 24 hours for qualified files.
FICO 500+ is considered. A soft pull starts the process and card or bank sales carry weight.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
How and when repayment is collected is laid out in your offer before you commit.
A merchant cash advance is not a traditional loan. A funder buys a portion of your future sales and pays you a lump sum now. You repay it out of incoming revenue, either as a percentage of card sales or as a regular debit from your bank account, until a total amount set at signing is paid. Because it is tied to sales, the decision leans on how your business performs, not just your credit report.
Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
Your score is reviewed. FICO 500+ is considered. But a funder reading an MCA file spends more time on:
An auto shop owner at 575 with steady sales is often a better read than a high-score owner with erratic deposits.
| Ask | Why it matters |
|---|---|
| Total payback in dollars? | That is your real cost |
| Daily, weekly or split from card sales? | Affects your cash flow every week |
| What if sales drop? | Know how remittance is set up |
| How do my existing advances affect this? | Stacking too much strains cash flow |
If an offer feels rushed or vague, slow down. A good offer survives a few questions.
We offer credit repair and business funding as two separate services. You do not need to repair your credit before you apply for an MCA, an MCA does not raise your score, and credit repair does not promise approval. Apply now based on revenue if you need capital, and handle credit on its own timeline.
Built for established businesses doing $60K or more a month. Sole proprietors can apply. Start the 5-minute application with a soft credit pull, send about three months of business bank statements, and skip the tax returns. Qualified businesses can see funding in as little as 24 hours.
Compare options first: merchant cash advance basics, line of credit vs MCA, and MCA vs working capital loan.
FICO 500+ is considered. Your sales, deposits and existing obligations weigh heavily in the decision.
Not necessarily. Many advances are repaid through a regular debit based on bank deposits rather than a split of card sales.
You can apply. Existing advances are reviewed as obligations and affect how much room you have.
No tax returns are required. About three months of business bank statements is the main document.
They are close cousins. Read revenue-based financing vs MCA for the differences.
No. An MCA is a funding product, not a credit tool, and it is not designed to change your score. Credit repair is a separate service you can pursue on its own.
Example uses for illustration only.
For an advance, steady sales matter most.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding