Funding Solutions

Merchant Cash Advance

Fast access to capital based on your future receivables — explained transparently, with the real cost in plain English.

What It Is

A merchant cash advance (MCA) is the purchase of a portion of your future receivables at a discount, giving you a lump sum of capital now. Remittance happens through a fixed daily or weekly amount, or a percentage of card sales. An MCA is not a loan — and we make sure you understand exactly how the structure, factor rate, and total remittance work before you sign anything.

Who It’s Best For

Businesses that need speed above all — an opportunity or obligation that can't wait for traditional underwriting — and have the consistent deposits to support the remittance schedule comfortably.

Common Use Cases

Time-sensitive opportunities
Emergency equipment replacement
Inventory for a large order
Covering a short-term obligation
Fast capital when banks decline

Typical Requirements

4–6+ months in business
Consistent daily/weekly deposits
3–4 months of bank statements
Business bank account in company name

Potential Advantages

Among the fastest funding structures available
Revenue-focused approval — credit-flexible
Simple documentation
Approval possible with existing obligations

Important Considerations

Typically the highest-cost structure — best for short-term, high-return needs
Daily or weekly remittance affects cash flow — model it first
Understand the factor rate and total remittance before signing
We'll tell you honestly when an MCA is the wrong tool

Frequently Asked Questions

Is an MCA a loan?

No. An MCA is a purchase of future receivables, not a loan. There is no interest rate — cost is expressed as a factor rate. We explain the full cost in dollars before you decide.

How fast can I get funded?

MCAs are among the fastest structures available. Qualified applicants with complete documentation may receive funds within 24–72 hours of approval.

What if I already have an advance?

It depends on your cash flow and current obligations. In some cases restructuring into a single healthier position makes more sense than stacking — your specialist will review honestly.

What are daily vs. weekly remittances?

Depending on the program, a fixed amount or percentage of sales is remitted each business day or each week. We help you choose the schedule your cash flow can genuinely support.

Ready to Move Forward?

Start with a short application or speak directly with a funding specialist. No obligation, and it will not impact your qualification to explore your options.

Apply Now Call (203) 943-1054