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Merchant Cash Advance
Capital against future card sales, often funded within a day — the fastest option available.
- Fast, short-term funding
- Repayment through sales
- Higher cost of capital
- Amount
- $5K – $500K
- Payback
- 3 – 18 months
- Funding time
- As fast as 24 hours
- Factor rate
- 1.15 – 1.49
Typical market ranges, not an offer of credit. Actual terms depend on lender underwriting and your business qualifications.
What it is
How this one works.
A merchant cash advance provides a lump sum of capital in exchange for a fixed percentage of your future credit card sales. It is the fastest funding available and the most forgiving on credit, because approval rests primarily on your sales volume rather than your score. Repayment flexes with revenue: you remit more on strong days and less on slow ones. It is also the most expensive option here, so we treat it as a tool for genuine urgency and short payback windows, not as a default.
Best used for
- Urgent repairs or replacing equipment that stopped your operation
- Restaurants, retail, and service businesses with steady card volume
- Owners whose credit does not yet support a term loan
- Short, well-defined needs you can repay quickly
The process
What working with us looks like.
Send recent statements
Three months of bank or processing statements is usually the whole file.
Same-day review
Underwriting focuses on your sales volume and consistency rather than your credit score.
See the real cost
We convert the factor rate into total dollars and an effective annual cost, so you can compare it honestly against every alternative.
Fund and remit
Funds arrive in as little as a day. A set percentage of daily card sales goes to repayment automatically.
Qualifying
What you generally need.
These are typical thresholds across our lender network, not hard rules. Files that fall short in one area often still place if another is strong — which is exactly the judgment call worth a phone conversation.
- Time in business
- 6+ months
- Monthly card volume
- $10,000+
- Credit score
- No minimum
- Documents
- 3 months statements
Straight answers
The upside, and the part to think hard about.
Advantages
- Fastest funding of any option on this page
- Approval possible with weak or thin credit
- Payments shrink automatically on slow days
- No fixed collateral requirement
Things to consider
- The most expensive capital here — often the equivalent of a high double-digit annual rate
- Daily or weekly remittance tightens working cash
- Stacking multiple advances is how businesses get into trouble; we will not do it
- We will tell you plainly when a line of credit would serve you better
Questions
Merchant Cash Advance questions.
What is a factor rate?
What happens if sales drop?
Can I qualify with bad credit?
Should I take an advance or a line of credit?
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Ready to look at Merchant Advance?
Two minutes to apply, a soft credit pull, and a real answer about whether this is the right instrument for you.