Empowering Small Businesses To Thrive

We understand that your credit scores don’t always reflect your business’s potential. That’s why, while your credit score is considered, it’s not the primary factor in our decision-making process. Whether you’re applying for a merchant cash advance or a traditional loan, we place greater emphasis on your business’s current and future sales performance. Even if your credit isn’t perfect, strong sales numbers can help you qualify for funding.

Unlike traditional loans, which require fixed monthly payments that can strain cash flow, merchant cash advances (MCAs) are repaid through a manageable percentage of your daily credit card sales. This means your payments naturally adjust with your revenue—higher on strong sales days and lower during slower periods—providing greater flexibility and reducing the financial pressure often associated with conventional financing.

Receive Funding in 48 to 72 Hours

Approvals are often made in as little as 48 hours where as traditional bank loans take weeks, even months

We provide fast, flexible funding solutions that empower small businesses to seize opportunities, overcome challenges, and achieve their growth goals—all while simplifying the funding process.

What is A Merchant CAsh advance?

A merchant cash advance (MCA) is a flexible and accessible funding solution tailored for businesses that generate consistent credit card sales. Unlike traditional loans, which come with fixed monthly payments and rigid repayment schedules, an MCA is repaid through a percentage of your daily credit card transactions. This repayment structure, known as the holdback percentage, ensures that your payments align with your cash flow—higher on strong sales days and lower when sales dip. This flexibility makes MCAs an ideal choice for businesses with fluctuating revenue or those seeking a funding option that adapts to their financial rhythm.

The process is designed to be simple and efficient. After submitting a quick online application with basic details about your business and average monthly credit card sales, you can receive approval in as little as 24 hours. Once approved, funds are typically deposited into your account within 1-2 business days, providing the quick access to capital that many businesses require. Repayment is automatic and tied directly to your daily sales, eliminating the stress of fixed monthly payments. There’s no set repayment timeline—your advance is fully repaid once the agreed-upon amount, including the factor rate, is collected.

MCAs are particularly well-suited for businesses that may not qualify for traditional financing due to credit challenges but have strong credit card sales. By focusing on your revenue potential rather than credit scores, MCAs offer a practical and efficient way to secure funding while maintaining the flexibility to manage your cash flow effectively.

how does it work?

A merchant cash advance (MCA) is a simple and fast way for small businesses to access the funding they need. Here’s how it works:

  1. Apply in Minutes: Fill out a quick online application with basic details about your business, including your average monthly credit card sales.

  2. Get Approved Fast: We review your application and provide a decision—often within 24-72 hours.

  3. Receive Funds: Once approved, you’ll receive a lump sum of cash upfront, typically within 1-2 business days.

  4. Repay with Ease: Instead of fixed monthly payments, you repay the advance through a small percentage of your daily credit card sales (called the holdback percentage). This means your payments adjust with your revenue—more when sales are high, less when sales are low.

  5. Flexible Terms: There’s no set repayment schedule, and the advance is repaid once the agreed-upon amount (including the factor rate) is collected.

MCAs are ideal for businesses that need quick cash for opportunities, emergencies, or growth but may not qualify for traditional loans.