Merchant cash advances from $10,000 to $500,000 for established businesses. Decisions in hours. Money in your account in 24–48 hours.
Doing $10K+/month in revenue with 6+ months in business? You likely qualify.
No hard pull · Takes 2 minutes · No obligation
Most established businesses qualify. Check your criteria below.
Not a fit if:
If you're a startup or pre-revenue business, check our SLOC program — no revenue required, credit-based approval.
Answer a few questions about your business. No lengthy paperwork, no tax returns, no business plan required.
We look at your bank statements to verify monthly revenue. Credit score is not the deciding factor.
Once approved, funds are wired directly to your business bank account. Same-day decisions for most applicants.
| MCA (Us) | Bank Loan | |
|---|---|---|
| Approval based on | Revenue | Credit + Collateral |
| Time to funding | 24–48 hours | 4–12 weeks |
| Credit requirement | Flexible | Strict |
| Collateral required | No | Often yes |
| Monthly payments | Flexible (% of sales) | Fixed |
| Application | 2 minutes online | Days of paperwork |
An MCA is a lump sum of capital provided upfront in exchange for a percentage of your future daily sales. It's not a loan — repayment automatically adjusts with your revenue.
Advances typically range from 50%–150% of your average monthly revenue. If you do $30K/month, you might qualify for $15K–$45K or more depending on your history.
Yes. MCA approval is primarily based on your revenue, not your personal credit score. All credit types are considered.
No. Checking your eligibility is a soft pull only — no impact to your score.
Most approved applicants receive funds within 24–48 hours of submitting their bank statements.
Takes 2 minutes. No hard credit pull. No obligation.
$10K+/month revenue · 6+ months in business · All credit types
Get My Funding Options →Looking for a business line of credit instead? See our SLOC program →