Fast, revenue-based
Merchant Cash Advance
An advance against future sales — fast funding when other options don't fit.
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.
Read the complete guide →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%
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. The lender discloses the factor rate and estimated APR in the contract before you commit, and your advisor walks you through what those figures mean.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.