An MCA provides a lump sum in exchange for a percentage of future revenue. One of the fastest funding options available — we help you decide when it makes sense.
See If an MCA Makes Sense →
Merchant Cash Advances are fast and accessible — but they carry high effective rates (often 1.1–1.5 factor rates). We recommend MCAs only when the use case genuinely justifies the cost, or when other options aren't available. We'll always show you the full cost comparison before recommending one.
A Merchant Cash Advance is not a loan — it's a purchase of your future receivables. The MCA provider gives you capital now in exchange for a percentage of your daily credit card or bank deposits until the advance plus fees are repaid.
We work with MCA providers who offer transparent terms and competitive factor rates. More importantly, we help you understand whether an MCA is actually the right tool for your situation — or whether a better, lower-cost option exists.
⚠ MCA factor rates convert to effective APRs of 40–150%+ depending on repayment speed. We always calculate and show you the full cost comparison.
A major contract just came in and you need capital within 48 hours to fulfill it. The revenue from the contract far exceeds the cost of the MCA. In these cases, speed justifies the premium.
If your credit profile doesn't qualify for traditional products and you have strong revenue, an MCA may be your only immediate access to capital while you work on your credit profile.
You're in the middle of an SBA application (60 days out) but need capital now. An MCA can bridge the gap — as long as the numbers work and the timeline is clear.
We start with a cost-benefit conversation — not just an application.
Before we submit anything, we calculate the full cost of the MCA — factor rate, effective APR, total repayment — and compare it against your alternatives. You see the numbers first.
If an MCA makes sense, we match you to providers offering the most competitive factor rates and terms for your revenue volume and industry — not just the first one who says yes.
Once funded, we immediately begin planning your transition to a better, lower-cost product — whether that's improving your credit profile or qualifying for a BLOC or term loan.
24–48 hour funding makes MCAs the fastest capital option on the market — nothing else comes close when speed is critical.
Payments scale with your revenue — if business slows, so does your repayment. There's no fixed monthly obligation that can strain cash flow during a slow period.
MCA providers focus primarily on revenue, not credit. No minimum score is required at select lenders — starting at just $4,000/month in revenue.
Most MCA approvals require only 3–6 months of bank statements and basic business information — no tax returns, no business plan required.
MCAs use a factor rate — not an APR. See your total cost and estimated daily payment before committing to any advance offer.
*For cost transparency only. MCAs have high effective APRs — we always explore lower-cost options first. No hard pull to assess.
We'll run the numbers honestly. If another product makes more financial sense, we'll tell you that instead.