MERCHANT CASH ADVANCE - MCA

When your business needs quick working capital, a Merchant Cash Advance (MCA) offers fast access to funds with minimal requirements.
Unlike traditional loans, approval is based on your business’s sales — not your credit score or collateral. That means you can get the capital you need in just a few days. 

A Merchant Cash Advance provides your business with a lump sum of funding in exchange for a fixed percentage of future credit and debit card sales, known as a holdback rate.
Payments automatically adjust with your sales — if revenue slows, your payments shrink too.

Typical Terms:

•  Rates: Starting at 15%
   
•  Amounts: $7,500 – $5,000,000
   
•  Trms: 3 – 18 months
   
•  Funding Speed: 1–2 business days

Your eligibility depends primarily on your recent sales volume.
You’ll repay the advance through a percentage of daily transactions (usually 6–17%) until the total agreed-upon amount, determined by your factor rate, is paid in full.

Example:
You receive $35,000 with a 1.16 factor rate (repaying $40,600 total) and a 10% holdback rate.
If you process $80,000 in card sales in a month, you’d repay $8,000 that month.
If sales dip, payments automatically decrease.