- Merchant Cash Advance Funding
Get Fast Access to Working Capital Based on Your Future Sales
A Merchant Cash Advance (MCA) provides businesses with quick access to capital by leveraging future credit card sales and business revenue. Unlike traditional business loans, a merchant cash advance offers a lump sum of funding in exchange for a percentage of future receivables.
- No impact to credit score
- 2-minute application
- Bank-grade encryption
What is a Merchant Cash Advance?
A Merchant Cash Advance is a business financing solution that provides a lump sum payment upfront in exchange for a portion of your future business revenue. Rather than making fixed monthly payments, repayment is typically based on a percentage of daily or weekly sales.
This structure allows repayment amounts to fluctuate with your business performance. During periods of higher sales, repayments may increase. During slower periods, repayment amounts may decrease.
Minimum Requirements
While qualifications vary by funding provider, businesses generally should meet the following criteria:
Time in Business
6 Months or More
Monthly Revenue
$10,000+ Monthly Revenue Preferred
Business Bank Account
Active Business Checking Account Required
Credit Profile
All Credit Types Considered
*Requirements may vary based on funding amount, business performance, and industry.
Since 2016
Trusted by founders
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Bank-grade process
Benefits of a Merchant Cash Advance
Merchant Cash Advance offers several advantages for businesses looking to grow while maintaining healthy cash flow.
01
Fast Access to Capital
Many businesses receive approval within hours and funding within one business day, making MCAs one of the fastest financing options available.
02
Flexible Revenue-Based Repayment
Repayment is generally based on a percentage of sales, helping businesses better manage cash flow during slower revenue periods.
03
Easier Qualification Requirements
Merchant cash advances may be available to businesses that do not meet the strict requirements of traditional bank loans.
04
No Specific Collateral Required
Many MCA programs do not require traditional collateral such as real estate or equipment.
05
Funding for a Wide Range of Industries
Retail stores, restaurants, healthcare providers, service businesses, contractors, transportation companies, and many other industries use merchant cash advances to support operations and growth.
06
Use Funds for Almost Any Business Purpose
Businesses have flexibility in how they use the funds, allowing owners to address immediate needs or invest in growth opportunities.
Why Businesses Choose Merchant Cash Advances
Traditional business loans can require extensive documentation, lengthy underwriting processes, and strict credit requirements. Merchant cash advances offer a faster alternative for businesses seeking immediate access to capital.
Businesses often choose MCAs because they provide:
- Fast funding decisions
- Simple application process
- Flexible qualification criteria
- Revenue-based repayment structures
- Funding for businesses with varying credit profiles
- Access to capital when timing is critical
For companies facing urgent financial needs or pursuing growth opportunities, a merchant cash advance can help bridge funding gaps quickly.
- The Process
A clear path from application to funded.
No black-box underwriting. Real humans, real options, in days — not weeks.
01
Share your details
Tell us about your business in 2 minutes. No documents required upfront.
02
Review matched options
We compare across our lender network to surface offers that actually fit.
03
Choose the right offer
Work with a dedicated advisor to compare rates, terms, and structures.
04
Move forward with funding
Sign electronically and receive funds in as little as 24 hours.
Answers, before you apply.
How does a merchant cash advance work?
The lender provides the business with a lump sum of cash upfront and then collects repayment through a percentage of the business's daily credit card sales until the advance is fully repaid.
Who can benefit from this cash advance?
Businesses in need of quick funding, such as those with fluctuating revenue or those that don't qualify for traditional loans, can benefit from a merchant cash advance.
What is the typical repayment term for a this cash advance option?
Repayment terms for a merchant cash advance can vary, but they typically range from 3 to 18 months.
What are the costs associated with a merchant cash advance?
The costs associated with a merchant cash advance can include a factor rate, which is a multiplier of the amount borrowed, and a holdback percentage, which is the percentage of daily credit card sales collected by the lender.
Is a merchant cash advance considered a loan?
No, a merchant cash advance is not considered a loan, but rather a purchase of a portion of the business's future credit card sales.
How can a business qualify for this cash advance option?
Qualification requirements for a cash advance typically include a minimum amount of monthly credit card sales and a minimum length of time in business.
Get Fast Business Funding Today
When your business needs immediate access to capital, a merchant cash advance can provide a fast and flexible financing solution.
For companies with growing revenue
Merchant Cash Advance
A merchant cash advance is a type of financing where a business receives a lump sum payment in exchange for a percentage of future sales. It’s a flexible option for businesses that need cash quickly and have a predictable revenue stream.
Loan Amount
$10,000 – $2,00,0000
Loan Term
Up to 24 Months
Receive Funds
As soon as same day
Interest Rate
As low as 12%
What is Merchant Cash Advance?
Merchant cash advance is a type of financing that offers businesses a lump sum payment in exchange for a portion of their future sales. Unlike traditional loans, merchant cash advance providers do not require collateral or credit checks. Instead, they evaluate a business’s sales performance to determine the amount of funding they are eligible for. Repayment is made through automatic deductions from daily or weekly credit card sales until the advance is fully paid off, making it a flexible option for businesses with variable cash flow. However, it may tend to have higher fees and interest rates than traditional loans.
Benefits of Merchant Cash Advance
Here are some benefits of merchant cash advance:
- Quick access to cash: It’s a fast way to get funds for your business as the application process is simple and approval is often granted within days.
- No collateral required: Unlike traditional loans, this cash advance doesn’t require collateral. Instead, the lender will use your future revenue as collateral.
- Flexible repayment: Repayment is based on a percentage of your daily sales, so you only pay back what you can afford. This means that on slower days, you pay less, and on busy days, you pay more.
- Use of funds: These funds can be used for any business purpose, such as purchasing inventory, paying bills, or expanding your business.
- Easy qualification: Qualifying for merchant cash advance is often easier than traditional loans as the lender primarily considers your business’s monthly revenue, credit score, and length of time in business.
- No fixed repayment schedule: There is no fixed repayment schedule, giving you more flexibility in managing your cash flow.
- Improves credit score: If you pay back your loans on time, it can help improve your business’s credit score, making it easier to qualify for other types of funding in the future.
Minimum Requirements For A Merchant Cash Advance
Meeting the following requirements can help increase your chances of securing funding from our lending partners. Failing to meet these qualifications may make it difficult to qualify for a loan.
CREDIT SCORE
500 or higher
MONTHLY REVENUE
$10,000+
TIME IN BUSINESS
3 Months
How To Apply For this option
At Business Loan Warrior, applying for this loan is a simple and straightforward process. Here are the steps to follow:
Visit Our Website
Visit the Business Business Loan Warrior website and click on the “Apply Now” button
Fill out the 2-minute online application.
We work with a network of over 100 lenders to provide you with a range of loan options. With one-simple application, receive up to 5 loan offers, with no impact on your credit.
Get funded.
Once you’re approved, you’ll be able to access your capital in as little as 24 hours.
Testimonials
What our customer saying about us
"I can't thank Business Loan Warrior enough for their outstanding service. Their team went above and beyond to understand my unique financial needs and provided me with a tailored loan solution. They truly care about the success of my business."
David
"Working with Business Loan Warrior was a breath of fresh air. Their transparency, professionalism, and competitive rates made them my go-to lender for all my business financing needs. They have my trust and loyalty."
Maria G.The lender provides the business with a lump sum of cash upfront and then collects repayment through a percentage of the business's daily credit card sales until the advance is fully repaid.
Businesses in need of quick funding, such as those with fluctuating revenue or those that don't qualify for traditional loans, can benefit from a merchant cash advance.
Repayment terms for a merchant cash advance can vary, but they typically range from 3 to 18 months.
The costs associated with a merchant cash advance can include a factor rate, which is a multiplier of the amount borrowed, and a holdback percentage, which is the percentage of daily credit card sales collected by the lender.
No, there are no restrictions on how a business can use a merchant cash advance. The funds can be used for any business purpose.
No, a merchant cash advance is not considered a loan, but rather a purchase of a portion of the business's future credit card sales.
Qualification requirements for a cash advance typically include a minimum amount of monthly credit card sales and a minimum length of time in business.
"I had been searching for a loan to expand my small business, but I was struggling to find a lender that would work with me. Then I found Business Loan Warrior. Their team was incredibly helpful and supportive throughout the entire application process, and they were able to match me with a lender that offered great terms. I highly recommend Business Loan Warrior to any business owner in need of financing."
John S.