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A Merchant Cash Advance (MCA) is not a loan — it's an advance on your future credit card sales. You receive a lump sum upfront, and repay it through a fixed percentage of your daily card transactions. Because repayment is tied to sales, it slows when your business is slow and speeds up when you're busy.

Most businesses qualify for an advance between $5,000 and $500,000. The amount is based primarily on your average monthly card processing volume — typically 50%–250% of your monthly revenue. We'll review your statements and give you a firm offer within 24 hours.

Requirements are minimal: you need to have been in business for at least 3 months, process a minimum of $5,000/month in credit card sales, and provide 3 months of recent processing statements. No collateral, no personal assets, and no minimum credit score (though credit is reviewed).

A fixed percentage — typically 5%–20% — of each day's card sales is automatically remitted toward your advance balance. On slow days, your repayment is smaller. On busy days, it's larger. There's no fixed due date or minimum monthly payment to stress about.

The initial application only involves a soft credit pull, which does not affect your credit score. A hard pull may occur before final funding, which typically results in a minimal, temporary impact on your score.

Most businesses are approved within 24 hours of submitting a complete application. Once approved, funds typically arrive in your bank account within 1–2 business days. In some cases same-day funding is possible.