Working Capital withNo Fixed Payments
Get $5K-$500K based on your credit card sales! Perfect for restaurants, retail, and seasonal businesses. Repay from daily sales, not fixed monthly payments. Get approved in 24-48 hours.
Why Choose Merchant Cash Advance?
Merchant cash advances offer unique advantages for businesses with consistent credit card sales
Fast Funding
Get approved and funded in as little as 24 hours
Based on Sales
Qualification based on credit card sales, not just credit score
Flexible Repayment
Repay automatically from daily credit card sales
No Fixed Payments
Payment amounts fluctuate with your business revenue
How Merchant Cash Advance Works
A simple 5-step process to get the working capital you need
Application
Submit basic business information and 3-6 months of processing statements
Review
We analyze your credit card sales history and business performance
Approval
Get approved for an advance amount based on your sales volume
Funding
Receive funds in your account within 24-48 hours
Repayment
A small percentage of daily credit card sales automatically repays the advance
Ideal for These Business Types
Merchant cash advances work best for businesses with regular credit card sales
Restaurants & Cafes
High volume of credit card transactions with consistent daily sales
- Fine dining
- Fast casual
- Coffee shops
- Food trucks
Retail Stores
Regular customer transactions with steady credit card processing
- Clothing stores
- Electronics
- Gift shops
- Convenience stores
Service Businesses
Professional services that process payments via credit cards
- Hair salons
- Auto repair
- Professional services
- Fitness centers
Seasonal Businesses
Businesses with fluctuating revenue that need flexible repayment
- Tourism
- Holiday retail
- Event planning
- Landscaping
Qualification Requirements
Merchant cash advance requirements are more flexible than traditional loans
Basic Requirements
- Business operating for at least 6 months
- Monthly credit card sales of $5,000+
- Personal credit score of 550+
- Consistent credit card processing history
- Valid business bank account
- No recent bankruptcies
Typical Terms
Important Considerations
Cost vs. Speed: Merchant cash advances typically cost more than traditional loans but provide faster access to capital with more flexible qualification requirements.
Repayment Structure: Unlike fixed monthly payments, your repayment amount varies with your daily sales, providing more flexibility during slower periods.
Best Use Cases: Ideal for urgent working capital needs, inventory purchases, equipment repairs, or taking advantage of time-sensitive opportunities.
Merchant Cash Advance FAQ
Everything you need to know about merchant cash advances
Need Fast Working Capital?
See if you qualify for a merchant cash advance and get funded within 24-48 hours