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Unlock fast capital with repayments tied to your sales volume for added flexibility.
A merchant cash advance (MCA) isn't a loan — it's an advance against your future sales. You receive a lump sum now, and repayment happens automatically as a fixed daily or weekly remittance sized to your revenue. When sales run high the repayment feels lighter; the structure is built for businesses with strong, steady card sales or deposits.
The honest trade-off: an MCA costs more than a term loan of the same size, priced as a factor rate rather than an interest rate. What you get for that cost is speed and accessibility — approval leans on revenue, not credit history, so it's often the fastest option for newer businesses or owners rebuilding credit. Our team will show you the total payback amount in plain dollars before you sign anything.
Advances typically run 80%–150% of monthly revenue, inside $5,000 to $10 million. Because repayment is a percentage of sales, the amount and the daily remittance move together — a bigger advance means a bigger slice of every deposit. Ask what the remittance looks like in your slowest week, not your best one.
A multiplier on the advance instead of an annual interest rate. A $50,000 advance at a 1.3 factor means $65,000 total payback. We always show the total dollar figure up front — see our APR vs factor rate guide for the full math.
With a true percentage-based remittance, a slower week means a smaller payment and a longer runway — that flexibility is the point. If you're on a fixed daily debit instead, a sales drop hurts much more, so know which structure you've been offered. And if a genuine slowdown hits, talk to us early — remittances can often be restructured, and the worst option is going silent.
If you qualify for a term loan or line of credit at a lower cost, we'll tell you — it's in our interest that your funding works. MCAs fit best when speed matters most or credit history limits other options.
A 1.3 factor on $50,000 means $65,000 back. Spread over 6 months that's a far higher annualised cost than the factor rate suggests. We show the APR equivalent in a SMART Box disclosure precisely so the comparison is honest.