How a Merchant Cash Advance Works
How a merchant cash advance works: $10K to $2M, 6+ months in business, $15K+ monthly revenue, and how repayment works. A plain guide.
Merchant cash advance for small businesses
Get $10K to $2M for your business with one short application
In business 6+ months and bringing in $15K+ a month? We work with lenders to get you the right funding, fast. You fill out one form; we do the shopping. Approval isn't guaranteed.
- Short application
- We speak English · Se habla español
- Funding partners network
We work with lenders to get you the right funding, fast.
Comparing business loans and cash advances? Here's how an MCA works
A merchant cash advance is an advance on your future sales. A lender gives you a lump sum now, and you pay it back from your business revenue under the terms of your agreement.
See all questions →How it works
One form. Three steps. Then you decide.
- 01
Tell us about your business
A few basics gets you started. The rest can wait.
- 02
We put it in front of our lenders
No more applying in five places and chasing callbacks.
- 03
Review your offer and decide
If an offer comes back, you see every term before you say yes.
Check the basics. If you fit, apply.
- Funding from $10,000 to $2,000,000
- At least $15,000 in monthly revenue
- At least 6 months in business
Meeting these doesn't guarantee approval; each lender makes its own decision.
See if you qualify →Industries
Funding for the businesses that keep your town running
Built for owners who don't have time to waste
One application, several lenders
Stop going door to door. We do the shopping for you.
Straight talk on terms
We walk you through exactly what you'd repay before you sign.
Your business is more than a credit score
Lenders look at how your business is performing. Approval isn't guaranteed, but bruised credit doesn't count you out.
A real person in your corner
Send us a message or use the chat. We reply in 24 hours or less.
Common questions
You get a lump sum for your business now and pay it back from the sales you're already making, under the terms of your agreement. Ready to put it to work? See if you qualify with one short form.
No. We work with lenders to get you the right funding, fast. They fund; we do the legwork, find the right fit and walk you through every offer. Start with one short form.
You may still have a shot. Lenders look at how your business is performing, not just your credit score. Approval isn't guaranteed, but a bruised credit history doesn't count you out. Apply and find out.
We reply in 24 hours or less. How long funding takes still depends on the funding partner and your documents.
Funding guides
When a Cash Advance Makes Sense for a Restaurant
Slow months, repairs, inventory: how restaurants use a merchant cash advance from $10K to $2M, who qualifies and what to ask first.
Funding Options for Trucking Companies
Fuel, repairs, slow-paying brokers: funding for trucking companies from $10K to $2M. Requirements: 6+ months in business, $15K+ a month.
See if your business qualifies for $10K to $2M
One short form. A reply in 24 hours or less. No obligation to accept an offer.