Fast, revenue-based

Merchant Cash Advance

An advance against future sales — fast funding when other options don't fit.

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A merchant cash advance provides fast capital repaid as a percentage of your daily sales. It's the most accessible and fastest option, but also the most expensive — we'll show you the true cost and only recommend it when it genuinely fits.

Best for

  • Businesses needing cash very fast
  • Strong daily card/sales volume
  • Owners who don't qualify for lower-cost options yet

Common uses

  • Urgent cash needs
  • Bridging a short gap
  • Opportunities that can't wait

What you'll need

  • Consistent sales volume
  • Months in operation

At a glance

Amount
Typically up to $250,000
Speed
Often same/next day
Repaid via
A share of daily sales

Estimate your merchant cash advance

Move the sliders to explore. These are illustrative figures, not an offer.

Total you'd repay

$52,000

Total cost of capital
$12,000
Est. weekly payment
$1,333
Simplified APR
~40%
See my real options →

Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms. An MCA is priced by a factor rate, not an APR; the effective APR is typically higher than the simplified figure shown, and your advisor discloses it before you commit.

Merchant Cash Advance questions

Why is MCA more expensive?

MCA is priced with a factor rate, and the equivalent APR is often much higher than loans. We disclose it clearly so you can compare.

When does an MCA make sense?

When speed is critical and lower-cost options aren't available. We treat it as a last resort, not a default.

Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.

Merchant cash advances are priced with a factor rate, not an APR. The equivalent APR is often substantially higher than other products. Your advisor will disclose the factor rate and estimated APR before you commit.

Other financing options

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.