providing fast working capital by advancing funds based on your business’s revenue
Merchant Cash Advance Loan
A Merchant Cash Advance provides fast working capital by advancing funds based on your business’s revenue
Revenue-based qualification
Approval is based primarily on your business revenue and deposits.
Daily/weekly automated remittances
Payments are automatically deducted on a daily or weekly schedule.
Transparent factor pricing
You see your total repayment amount upfront before accepting the offer.
Merchant Cash Advance (MCA)
We provide fast, flexible funding solutions tailored to the industries we know best.
What You Need To Know
An MCA is an advance on future sales (receivables), typically repaid automatically from daily/weekly revenue. There are some monthly payment advances as well.
- Receivables: You’re selling a portion of future sales, not taking a traditional term loan.
- Sales-linked repayment: A restaurant uses an MCA to cover payroll during slow weeks and pays back as sales come in.
- Factor rate: Pricing is often quoted as a factor (e.g., 1.xx) rather than an APR or “interest rate.”
- Speed-first fit: Works best when fast funding matters more than lowest total cost.
What Can You Expect
Built for speed and flexibility when cash flow is uneven or time-sensitive.
- Fast funding: A retailer gets capital quickly to stock up before a holiday rush.
- Flexible use: Funds can go to inventory, marketing, payroll, or urgent repairs without strict use restrictions.
- Uneven cash flow: A seasonal business uses an MCA to bridge short gaps between strong weeks.
- Simplified underwriting: Approval leans heavily on revenue trends instead of perfect credit.
- Automated payments: Remittances are typically pulled automatically to reduce manual payment friction.
Your Minimum Requirements
Approval usually prioritizes revenue, bank activity, and payment processing history.
- Deposit consistency: At least 10k per month in gross deposits.
- Bank patterns: Fewer overdrafts and stable balances improve approval odds.
- Business activity: A visible operating history (often measured in months) is typically needed.
- Industry fit: Some industries may be restricted due to risk or compliance factors.
What Do The Rates And Fees Look Like?
Pricing is commonly expressed as a factor rate plus fees rather than traditional interest.
- Factor rate math: Total repayment is often advance × factor rate (not “interest”).
- Fee structure: Fewer overdrafts and stable balances improve approval odds.
- Time-to-repay impact: Faster payback can raise effective annualized cost vs longer repayment.
- Comparable pricing: Provide total payback + estimated payment cadence to make offers comparable.
EXAMPLE: Joe Asks for 50K to buy some new equipment before the busy season.
- Advance Amount: $50,000
- Factor Rate: 1.24
- Total Repayment: $62,000
- Payment Frequency: Weekly
- Estimated Term: 2 Years
How It Works
A connected-data flow where offers are based on sales/bank activity and repayment is automated.
Step 1: Apply & connect
Apply HERE. Then simply link bank and/or payment processing to verify revenue.
Step 2: Revenue review
Provider evaluates deposits, volatility, and sales trends.
Step 3: Fast funding
You receive an advance amount and a total payback figure.
Step 4: Funding delivery
Funds arrive quickly into your business bank account.
Step 5: Auto-remittance until paid
Daily/weekly remittances happen automatically until satisfied.
- Flexible Repayment Terms
- 1000+ Funded Business Owners
- $175M in Lending Since 2018
Merchant Cash Advance Case Study
Real-world MCA scenarios can be explored via Byzloan.
Marcus T, Catering
The Backstory
Marcus runs a high-volume seasonal restaurant. During a holiday rush, his industrial walk-in freezer failed, threatening $10,000 in inventory.
The Problem
Traditional banks wanted tax returns and a two-week waiting period, but Marcus needed a solution in two hours or he would lose all my stock.
The Solution
Marcus quotes, “We opted for a Cash Advance, and the funds were in our account the next morning. It was a lifesaver. Because the repayments fluctuate with our daily credit card sales, I didn’t have to worry about a huge fixed bill during our post-holiday slow down. It kept our doors open when it mattered most.”
Fast and Easy
Application
Transparent
Terms
Expert
Consultation
Fast
Funding
Merchant Cash Advance Not The Right Fit For You?
No Problem! Check out our other loan options here!
Frequently Asked Questions
Get quick answers to the most common questions about funding, approvals, requirements, and timelines.
Is a Merchant Cash Advance a loan?
No. A Merchant Cash Advance is an advance on your future receivables. Instead of traditional interest, repayment is structured around a fixed total payback amount.
How quickly can I receive funding?
Many businesses receive funds within 24 to 72 hours after approval, depending on documentation and underwriting speed.
Do I need good credit to qualify?
Credit is considered, but approval is primarily based on your business revenue and bank deposit activity.
How are payments made?
Repayment is automatically deducted from your business bank account on a daily or weekly schedule until the total amount is satisfied.
Can I pay off my advance early?
Yes. Prepayment discounts may be available depending on the specific offer and funding partner.
What Our Clients Are Saying...
Merchant Cash Advance
We opted for a Cash Advance, and the funds were in our account the next morning. It was a lifesaver. Because the repayments fluctuate with our daily credit card sales, I didn't have to worry about a huge fixed bill during our post-holiday slow down. It kept our doors open when it mattered most.
