Knowledge is capital.

A Merchant Cash Advance (MCA) is a purchase of your future credit card receivables, not a loan. You receive a lump sum of capital today and repay it through a daily or weekly percentage of your credit card and debit card sales. MCAs typically range from $5,000 to $500,000 and can be funded in 24-72 hours. This makes them faster than traditional bank loans while being accessible to businesses with less-than-perfect credit.

MCAs differ from traditional bank loans in several key ways. First, MCAs don't require collateral or perfect credit. Second, payments flex with your revenue—during slower months, you pay less. Third, funding happens much faster (24-72 hours vs. 30-90 days for bank loans). However, MCAs typically have higher factor rates, which means the total cost of capital can be higher than a traditional loan. The trade-off is speed, accessibility, and revenue-based payments.

We offer a range of funding solutions to match your business needs: Merchant Cash Advances (MCA), Revenue-Based Financing, Term Loans, Lines of Credit, Equipment Financing, and SBA Loan Assistance. The best part? One application covers all funding types. We analyze your business and match you with the most suitable product based on your revenue, credit profile, time in business, and cash flow patterns.

Funding amounts range from $10,000 to $2,000,000, depending on three main factors: your monthly revenue, how long you've been in business, and the health of your bank statements. We review your average monthly deposits, daily account balance, deposit consistency, and any NSFs (non-sufficient funds incidents). Businesses with stronger metrics and higher monthly revenue typically qualify for larger amounts. Submit an application and we'll provide a preliminary funding range within 24 hours.

Speed varies by product. Merchant Cash Advances can fund in 24-72 hours. Revenue-Based Financing typically takes 3-7 days. Term Loans range from 3-14 days. SBA Loan Assistance takes longer, typically 30-90 days due to government requirements. Most of our clients choose MCAs or Revenue-Based products specifically for speed. Your actual timeline depends on how quickly you submit documents and respond to any verification requests.

For most MCA applications, you'll need: a completed application and 3 months of business bank statements (we need to see your average deposits, cash flow patterns, and account health). For Merchant Cash Advances, we don't require tax returns—we underwrite based on your deposits. For SBA loans and some other products, additional documentation like tax returns, profit & loss statements, and personal financial statements are required. We'll let you know exactly what we need when you apply.

No, applying for funding with us will not hurt your personal credit score. We conduct only a no credit pull during the initial review, which doesn't appear on your credit report. There's no hard credit inquiry unless you choose to move forward with a specific product that requires it. This means you can apply, explore your options, and get approved without any impact to your credit. You're in full control of whether to proceed.

Bad credit is not a dealbreaker for an MCA. Our underwriting focuses on your business revenue and bank statement health, not your credit score. Businesses with a 500+ credit score and strong monthly revenue often get approved. Even businesses with credit scores under 580 have options, especially if they show consistent deposits and positive cash flow. What matters most to us is whether your business generates enough revenue to comfortably make daily or weekly repayments.

Our underwriters scrutinize your bank statements above all else. Specifically, we look at: (1) Average monthly deposits—how much revenue flows through your account; (2) Daily balance—we prefer to see $1,500+ at any given time; (3) Deposit consistency—ideally 20+ deposit days per month, showing steady revenue; (4) NSF count—non-sufficient funds incidents are red flags; (5) Existing MCA payments—how many cash advances you already have; (6) Revenue trend—whether deposits are growing, stable, or declining. This data tells us whether your business can handle additional payment obligations.

The most common decline reasons are: (1) Too many NSFs (3+ in 90 days); (2) Declining revenue trend; (3) Negative daily balances or account overages; (4) Too many existing MCA positions (3 or more); (5) Under 4 months in business; (6) Operating in a restricted industry; (7) Recent bankruptcy or tax liens; (8) Low processing volume relative to loan size; (9) Incomplete or missing documentation. The good news: most of these can be addressed. A temporary decline doesn't mean you can't reapply later once your financial situation improves.

MCA payments are automatic and taken daily or weekly from your business bank account. The amount deducted each day is a fixed percentage of your credit card and debit card sales that day. This means during high-revenue days, you pay more; during slow days, you pay less. This revenue-based model protects your cash flow and ensures payments scale with your business performance. Repayment typically completes in 3-12 months depending on your daily volume and the factor rate agreed upon.

A factor rate is NOT the same as an interest rate. The factor rate is a multiplier applied to the amount borrowed. For example, a 1.25 factor means you repay $1.25 for every $1.00 borrowed—a total cost of $25,000 on a $100,000 advance. But timing matters. A 1.25 factor over 6 months has a very different effective cost than 1.25 over 12 months. Always calculate the daily payment amount (advance ÷ repayment days) and compare it to your average daily revenue before accepting any offer. That's the true measure of affordability.

Many of our MCA products offer early payoff discounts. If you want to pay off your advance faster, you may qualify for a discount on the remaining balance. This can save you thousands of dollars and free up your cash flow sooner. Early payoff options and discount structures vary by product and provider. When you receive your funding agreement, review the early payoff terms carefully. If your business has a strong month, paying off early can be an excellent way to reduce your total cost of capital.