Merchant Cash Advance (MCA) Funding
MCA is fast working capital for businesses that can’t wait on bank timing. You receive an upfront advance and agree to remit a set amount (“the purchase amount”) from future receivables through daily or weekly payments.
This is not a traditional loan. It’s a purchase of future receivables. MCA can be used for payroll, marketing, inventory, emergency obligations, expansion, or getting through a rough cash-flow gap.
Approvals can move on business-time, not bank-time.
Underwriting focuses on cash flow and deposits, not perfect credit.
Used for marketing, restock, payroll support, or expansion.
We are not a bank. We do not offer consumer personal loans. All funding scenarios are subject to underwriting, verification, documentation, performance review, and compliance approval. Nothing here is a promise or guarantee of funding.
How MCA Works
MCA programs purchase a portion of your future receivables at a discount. You receive working capital up front. You then deliver agreed payments daily or weekly until the purchased amount is fully remitted.
You receive cash now so you can handle payroll, marketing, vendor deposits, inventory, or emergencies.
Payments are pulled automatically. The pace is tied to cash flow. It’s meant to be short-term working capital, not 5-year debt.
MCA is not a bank loan. It’s a receivables purchase. That’s why traditional credit score alone isn’t the main driver.
MCAs are typically more expensive than traditional loans because of speed, flexibility, and risk profile. They’re designed for short-term need, not long-term financing.
Transparency Matters
MCA is high-friction money. Cost of capital is usually higher than bank debt, SBA products, or secured real-estate lines. You should only use MCA if you understand the cost, the schedule, and the impact on your daily cash flow.
We want repeat clients, not desperate one-timers. If MCA puts you in a worse position two weeks from now, you should not take it. We’ll tell you that.
We are not a bank. We do not offer consumer personal loans. All scenarios require underwriting, documentation, verification, performance review, and compliance approval. Nothing here is an approval, offer, or guaranteed outcome.