No Hard Credit Pull · Same-Day Funding Available
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⚡Merchant Cash Advance

Receive a lump sum advance in exchange for a percentage of your future credit card or debit card sales. The fastest, most accessible funding product for businesses with card revenue.

$5K – $1M
Loan Amounts
3 – 18 months
Terms
Same day – 24 hours
Speed to Fund
No minimum
Min. Credit
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months in Business✓ No Hard Credit Pull✓ All Industries

Merchant Cash Advance

See What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners Including

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

How It Works

How Merchant Cash Advance Work

An MCA is not technically a loan — it’s a purchase of your future receivables. You receive a lump sum and repay by surrendering a fixed percentage of your daily card sales (or via fixed daily ACH). When sales are up, you pay more. When sales are down, you pay less.

Best For

Ideal Use Cases for Merchant Cash Advance

✓Businesses needing same-day funding
✓Retail, restaurants, and service businesses
✓Owners with low credit scores
✓Emergency expenses or time-sensitive opportunities
✓Businesses previously denied by banks

Full Transparency

Pros & Cons of Merchant Cash Advance

We believe in full transparency. Here's what you should know.

✅ Advantages

✓Fastest funding available (same day)
✓No minimum credit score
✓No collateral required
✓Approval based on revenue, not credit
✓Flexible repayment tied to sales

⚠️ Considerations

•Highest cost of all funding products
•Factor rates of 1.2–1.5x are common
•Daily payment impact on cash flow
•Not a loan — no APR for comparison
•Can create a debt cycle if stacked irresponsibly
Check If I Qualify — No Credit Impact →

Ready?

See What You Qualify For. No Credit Impact.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

FAQs

Merchant Cash Advance FAQs

The Only Risk Is Not Knowing What's Available to You

60 seconds. No credit impact. No obligation.

Check My Rate →

No hard credit pull · Free to check · Nationwide

See What I Qualify For — 60 Sec →