MCA · Financing
Accepting applicationsMerchant cash advance, funded in as little as 24 hours
A lump sum today against a small, automatic share of your future sales. The fastest funding we offer, for businesses with steady deposits.
- Amount
- $5k – $500k
- Funded in
- 24 – 48 hours
- Term
- No fixed term
- Priced as
- Factor rate 1.15 – 1.45
- Min. trading
- 6 months trading
Illustrative ranges. Your actual amount, rate and term depend on your business and are set when you apply.
What a Merchant Cash Advance is
A merchant cash advance is not a loan. It is the sale of a fixed slice of your future sales at a discount today. You receive a lump sum now and repay it automatically as a small daily or weekly share of your deposits until the agreed amount is remitted.
Because it is priced by a factor rate rather than an interest rate, the total cost is fixed on day one and does not change whether you repay in four months or eight. It is the fastest money we offer — often funded within 24 to 48 hours — which is why it suits businesses with steady card or bank deposits that need to move before a bank could.
How it works
- 1Share three months of bank statements
The deposits are the underwriting. Most decisions come back the same day.
- 2Get your offer in full
Amount, factor rate and remittance are laid out before you sign — no APR games, no surprises.
- 3Funds land, repayment begins
A small fixed share of each day’s or week’s deposits is remitted automatically until the balance is met.
Who it is a fit for
Businesses with steady daily or weekly deposits that need money faster than a lender can move.
It is not a loan and does not compare to an APR. Remittance is collected automatically, so it lands hardest in a slow week.
What you will need
The full checklist is built from your answers in the application — you are never asked for a document that does not apply to you. For a Merchant Cash Advance, the document that does the work is: Three months of bank statements — the deposits are the underwriting. Most files are complete with around 8 documents in total.