A Merchant Cash Advance (MCA) is a financing solution where you receive upfront capital in exchange for a percentage of your future credit card sales or daily bank deposits. Unlike traditional loans with fixed monthly payments, MCAs have flexible repayment that fluctuates with your revenue—when sales are high, you pay more; when sales are slow, you pay less. There's no fixed term, collateral requirements, or personal guarantees like traditional lending.

Most of our clients receive funding within 24-48 hours after accepting an offer. The initial application and matching process typically takes 1-2 business days. Unlike traditional bank loans that can take weeks or months, our streamlined process is designed for business owners who need capital quickly.

Funding amounts typically range from $5,000 to $500,000, with some providers going higher for established businesses. The amount you qualify for is usually based on 1-4 months of your average monthly revenue. As a broker, we'll help you find providers who can offer the best advance amount for your specific revenue profile.

Yes, having existing business debt doesn't automatically disqualify you from an MCA. Lenders primarily focus on your current cash flow and ability to handle the daily repayments alongside your existing obligations. We'll help match you with providers who understand your complete financial picture.

MCA funds can be used for virtually any business purpose including inventory purchases, equipment repairs, covering payroll during slow periods, marketing campaigns, or emergency expenses. The funding is flexible and doesn't restrict how you invest in your business. Most business owners use it for working capital or growth opportunities that generate quick returns.

As an experienced broker, we save you time by comparing multiple offers so you get the best terms available. We understand each lender's specific requirements and help you avoid providers who aren't a good fit for your business. We explain all terms in plain English and provide ongoing support throughout the funding process. You get access to our network of trusted lenders without the hassle of researching and applying to each one individually.