Fast, flexible working capital
Merchant Cash Advance
A merchant cash advance, also known as an MCA, provides business capital in exchange for an agreed portion of future business receivables. It is designed for speed and flexible qualification rather than a traditional bank-loan structure.
All repayment options, terms, pricing and funding amounts are 100% based on approval.
Use cases
When this option may fit
- Inventory and material purchases
- Payroll or short-term cash-flow gaps
- Marketing and expansion
- Time-sensitive opportunities
Process
How it works
- 1Approval is primarily based on business revenue, cash flow, time in business and the overall file.
- 2The approved amount and total repayment are established before funding.
- 3Payments are made on the schedule offered in the final approval.
Prepare
What you may need
- Completed application
- Six most recent business bank statements
- Government-issued ID
- Voided business check
A factor rate is not an interest rate or APR. All pricing, payment frequency and terms depend on underwriting and the final approval.
Quick first step
See your potential pre-approved range.
Answer a few questions. Your result is an estimate and does not require an SSN or bank login.
Get pre-approved