A Merchant Cash Advance (MCA) is an alternative funding option that provides businesses with a
lump
sum of cash in exchange for a percentage of future sales.
MCAs are ideal for businesses that need quick access to working capital but may not qualify for
traditional funding.
How Does an MCA Work?
Funding Approval: Based on your daily or monthly credit card sales and revenue history.
Advance Amount: You receive a lump sum of cash upfront.
Repayment: A fixed percentage of your daily sales is automatically deducted until the
advance is fully
repaid.
Benefits of an MCA
Fast Approval Process: Get funding in as little as 24-48 hours.
Flexible Repayment: Payments adjust based on sales—no fixed monthly payments.
No Collateral Required: MCAs are unsecured, so you don’t risk losing assets.
Easy Qualification: Approval is based on sales, not credit scores.
Supports Growth: Helps manage cash flow for inventory, marketing, or expansion.
Is an MCA Right for You?
Consider an MCA if:
Your business has consistent sales volume.
You need funds quickly to cover short-term needs.
You want repayment to align with your business performance.
FAQs about MCA Funding
What is the typical repayment period for an MCA?
Repayment periods usually range from 3 to 18 months, depending on the agreement.
How much can I qualify for?
Funding amounts are based on monthly sales volume and can range from $5,000 to $500,000 or more.
Can I use an MCA if I have bad credit?
Yes! MCAs focus on your business’s sales history rather than your credit score.