Merchant Cash Advance
Repayments flex with your revenue — never feel squeezed.
A merchant cash advance (MCA) provides capital based on your future revenue. Repayments are a percentage of your daily sales, so they naturally decrease in slow months and increase as business picks up — keeping you in full control of your cash flow.
Loan Amount
$25K – $3M
Term
3 – 24 months
Why Choose This Product
Built for Your Business
Flexible Repayments
Daily or weekly remittances are a fixed percentage of revenue — when sales dip, so do repayments.
Approval Based on Revenue
MCAs are underwritten primarily on your revenue history, not your credit score. Lower credit owners welcome.
Funded in 24–48 Hours
Minimal documentation and fast underwriting means capital in your account almost immediately.
No Collateral Required
The advance is secured by your future receivables — no real estate or personal assets at risk.
Rate Guide
Merchant Cash Advance — Current Rates
Rates are estimates based on the current WSJ Prime Rate (7%). Your actual rate depends on loan amount, term, lender, and creditworthiness. Updated September 2026.
| Advance Amount | Typical Term | Factor Rate | APR Equivalent | Security |
|---|---|---|---|---|
| $25K – $250K | 3–6 months | Factor 1.15–1.35 | ~40%–80% APR equiv. | Future receivables |
| $250K – $1M | 6–12 months | Factor 1.20–1.45 | ~35%–65% APR equiv. | Future receivables |
| $1M – $3M | 12–24 months | Factor 1.25–1.50 | ~30%–55% APR equiv. | Future receivables |
Eligibility
Do you qualify?
Not sure if you qualify?
Our advisors review your profile at no cost and tell you exactly what you qualify for — before you apply.
Get My Free ReviewFAQ
Common questions
Business Insights
Related Articles for Merchant Cash Advance Business Owners
Ready to apply for Merchant Cash Advance?
No hard credit pull. No obligation. Talk to an advisor today.