What is a Merchant Cash Advance?
We don't broker merchant cash advances. We fund them directly. That means faster decisions, cleaner terms, and no middleman adding markup. Our underwriting team reviews your bank statements in-house and gets you an answer the same day.
Repayment is automatic. A fixed percentage of your daily revenue is deducted each business day, so the payment flexes with your sales. Strong month, you pay it down faster. Slow month, the payment shrinks. Credit score is secondary here. What matters is cash flow. If your business deposits at least $15,000 a month and has been operating for six months, we can work with you.
How do I qualify for a Merchant Cash Advance?
Key qualification requirements:
Monthly Revenue
At least $15,000 in monthly bank deposits.
Time in Business
At least 6 months in operation.
Bank Statements
3 to 4 months of recent business bank statements.
No Open Bankruptcies
Active bankruptcies will disqualify you, but resolved ones won't hold you back.
How MCA Pricing Works
MCAs use factor rates instead of traditional interest rates. Factor rates typically range from 1.10 to 1.50. That means you repay $1.10 to $1.50 for every dollar advanced. A $50,000 advance at a 1.30 factor rate costs $65,000 total.
The holdback percentage, usually 10% to 20% of daily sales, determines how fast you pay it off. Higher holdback means faster payoff and lower total cost. Lower holdback stretches payments out but keeps more cash in your account day to day.
There are no hidden fees on our deals. No origination fee, no application fee, no prepayment penalty. The factor rate is the total cost. We show you the full breakdown before you sign anything.
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