Merchant Cash Advances
Fast, Flexible Revenue-Based Funding
Fast Capital Based on Daily Sales
Merchant Cash Advances
Merchant Cash Advances (MCAs) provide businesses with quick access to capital based on their daily credit card sales or overall revenue. Unlike traditional loans, an MCA is an advance on future sales, repaid automatically through a percentage of the business’s daily credit card receipts or total revenue.
MCAs are ideal for companies that need fast funding, have consistent daily transactions, and want flexible repayment that adjusts with their sales volume.
How It Works
- Apply with your business details and sales statements
- Get approved quickly, often within hours
- Receive funds directly into your business bank account
- Repay automatically via a fixed percentage of daily sales
- Renew or request additional funding as needed
Factor Rates
1.09 – 1.55
Shorter Terms
3 to 36 months
Flexible Funding Amounts
$5,000 to $5,000,000+
How Merchant Cash Advances work!
Loan Amount: $5,000 – $5,000,000+
Terms: 3 to 36 months
Rates: Factor rates 1.09 – 1.55
Collateral: None
Qualifications:
- Proof of revenue
- Consistent daily or monthly sales volumes
- 3–6 months of operating history
- Application + bank/credit card statements
Faster Funding’s
Merchant Cash Advances
If you need fast working capital without strict credit requirements, a Merchant Cash Advance offers a quick, flexible solution. Apply today to unlock funding based on your daily sales instead of traditional lending criteria.
The Benefits of Life Insurance Financing
Merchant Cash Advance programs provide fast, flexible access to working capital by allowing businesses to borrow against future credit card or debit card sales. Approval is typically quick and based on revenue rather than credit score, making it ideal for companies with fluctuating cash flow or limited collateral. Repayments automatically adjust with daily or weekly sales volume, reducing financial strain during slower periods. This financing option helps businesses cover immediate expenses, manage inventory, launch marketing campaigns, or seize growth opportunities without the lengthy process of traditional lending.
- Same-day or next-day funding available
- Repayment adjusts with your daily sales volume
- Ideal for businesses with consistent credit card transactions
- No collateral required
- Flexible approval for all credit types
- Perfect for restaurants, retailers, e-commerce, service businesses, and seasonal companies
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Qualification Requirements
MCAs have very minimal requirements. Typically, businesses need:
- Proof of revenue (credit card processing statements or bank statements)
- Consistent daily or monthly sales volumes
- 3–6 months of operating history (varies by lender)
- Application + bank/credit card statements
There are no strict credit score requirements, making MCAs accessible to nearly all businesses.
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Merchant Cash Advances programs are just one of the many ways we’re working to make that happen.
To learn more about merchant cash advances or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Is an MCA a loan?
No. It’s an advance on future sales. There’s no fixed APR. Repayment is tied to revenue.
How is repayment made?
A percentage of your daily credit card receipts or deposits is automatically deducted until the advance is repaid.
Do I need collateral?
No, collateral is not required for Merchant Cash Advances.
How fast can I get funded?
Many MCAs fund same day or next business day once approved.
What industries qualify?
Any business with steady revenue, such as restaurants, retail, salons, contractors, e-commerce, medical offices, and more.
Get Started
Contact us to learn more about our merchant cash advance programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
