MERCHANT ADVANCE

A merchant cash advance (MCA) is a financing option where a business receives a lump sum in exchange for a percentage of its future credit and debit card sales. It's not a traditional loan; instead, the lender purchases a portion of the business's future revenue. MCAs are known for their quick access to capital and flexible repayment terms, but they can be expensive due to high factor rates. 

A man is holding a stack of money in his hand.

To qualify for this funding program, you need:


  • Visa/MC sales receipts of at least $10,000 a month.
  • To be in business for at least 6 months.
  • Business owner's personal FICO score of 550+
  • To NOT be in Real Estate, Insurance or Financial Services related industries.

FREQUENLTY ASKED QUESTIONS

  • How does this process work?

    Complete the application to the left and receive offers for amount, rate and term.

  • Is there an impact on credit?

    Soft credit pulls are used to obtain offers. Hard pulls are done at funding only.

  • Do I get a funding adviser?

    Yes, a dedicated advisor will work with you to obtain the capital you need.

  • Am I going to get contacted by lenders?

    Lenders only contact you after you accept their funding offers.

  • Does it cost anything to apply?

    There are no costs involved in receiving offers. There are closing fees.

  • Am I under any obligation?

    You are under no obligation to accept any funding offers.

  • If I have questions who do I talk to?

    After submitting, you are provided the email and phone number of your funding advisor.

Submit information about your request, the business and the owners to receive amount, rate and term offers.


  • Requested loan information
  • Information about the business
  • Information about the owners

*** All files are subject to full underwriting & qualifications specified by each bank. There can be no assurance that any applicant will be approved and that credit will be offered.***

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