Get money up front and repay from revenue as it comes in. For established businesses doing $60K+ a month with less-than-perfect credit.
Check my advanceMerchant Cash Advance
A merchant cash advance is repaid from incoming revenue. You can apply through our partner, Merchant Fund Express; card and bank deposits drive the review.
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.
Funding in as little as 24 hours for qualified businesses. 5-minute application, about 3 months of statements.
FICO 500+ is considered. A soft pull starts it, and steady sales carry real weight.
The full repayment amount is in your offer before you accept. No surprise costs once you sign.
How and when repayment comes out is laid out in your offer up front, before you agree to anything.
Skip the jargon. Here is the whole thing in three steps:
Because it is tied to sales, an MCA is not a traditional loan. The review looks hard at how money moves through your account.
MCAs make the most sense for businesses with steady card or deposit volume:
If your bank turned you down over your credit score but your deposits are strong, this is often the product to look at first. FICO 500 and up is considered.
For illustration only: a pizzeria doing about $75,000 a month in sales needs $40,000 to replace a walk-in cooler and stock up before football season. The bank wants two years of tax returns and a higher score. With an MCA reviewed on three months of bank statements, the owner gets an answer based on what the shop actually brings in. These numbers are an example, not our terms. Your offer will spell out the actual amounts.
Straight talk. Read the offer and know these things before you accept:
If you want to draw only what you need, compare a business line of credit. If you prefer a set repayment schedule, look at working capital.
The bank wanted a high score, two years of returns and something to pledge. An MCA review is different. It focuses on recent sales and deposits, so a business that is busy today gets judged on today. It also moves faster than most bank files, which matters when the reason you need money has a deadline attached.
About three months of business bank statements. No tax returns. A soft credit pull to start. The application takes about five minutes, and qualified businesses can be funded in as little as 24 hours. Advances run from $25,000 to $5,000,000 and are provided through our partner Merchant Fund Express.
Apply for a merchant cash advance or read about the fast MCA process.
No. An MCA is an advance on future sales. You receive money now and repay it from a share of revenue as it comes in.
FICO scores of 500 and up are considered. The review focuses heavily on your sales and deposit history.
About three months of business bank statements. Tax returns are not required.
Advances range from $25,000 to $5,000,000 depending on your revenue and deposit history.
You can apply. Be upfront about any existing advances on the application so the review reflects your full picture.
Example uses for illustration only.
Advance offers lean on deposit history, so tighten these up.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding