Merchant Cash Advances

From start to finish, the entire process of a Merchant Cash Advance (MCA)small-biz-open_03

A Merchant Cash Advance is a funding product that can provide quick and uncomplicated working capital to you – the business owner. You sell a specific amount of your business’ future credit and debit card receivables (at a discount) in exchange for cash you can use for whatever your business may need.

Application and instructions HERE:

Once approved, a lump sum of cash is deposited into your business checking account. The collection process is automatically handled by your business’ credit card processor. As each day’s credit and debit card transactions are settled (batched), a specific percentage is forwarded and applied to the remaining Merchant Cash Advance balance.

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Because a set percentage of credit and debit card receipts are forwarded, your card-sales volume determines the amount of each payment. There are no inflexible monthly payment amounts, and no possibility of missed or late payments and their associated penalties.

Our Merchant Cash Advance is a proven, trusted way for you to get quick money for your business needs. You decide how to spend the money, whether it is for renovation, marketing/advertising, taxes or payroll, handling the cost of emergencies, or growth strategies. There is low documentation, and no personal collateral is required. There are no application fees and no hidden charges.

Because a Merchant Cash Advance aligns so well with the way they operate, 3 out of 4 qualified customers will return for multiple advances to help grow and stabilize their businesses.


Credit is not a factor! The money is unsecured. If your business slows down or closes due to no fault of your own – your personal assets, including your home, are safe. It is NOT a loan. It is the sales of an asset. Therefore, it does not show up on your credit report as an outstanding credit obligation and does not hinder your ability to obtain credit down the road. No Fixed monthly payments. Most small businesses experience fluctuations in their cash flow and a rigid, fixed payment schedule can be challenging. Because our repayments are structured as a percentage of your daily Visa and MasterCard sales, your payments rise and fall with your sales volume – we get paid when you get paid!


  • Funding in as Fast as 5 Business days
  • Loan Amounts Based on off Credit Card Sales, not Net Profits
  • Unlike Standard Bank Loans – Tax Returns are not Typically Required
  • Daily Withholdings in Lieu of High Monthly Loan Payments
  • Loan Amounts as low as $3,000 up to $500,000
  • Credit Scores as low as 500
  • Home/Mobile Based Businesses OK
  • 24-Hour Approvals