You need to enable JavaScript to run this app.
A merchant cash advance, also called a business cash advance, from $5,000 to $10 million, funded in house with a decision within 24 business hours.
A merchant cash advance (MCA), also called a business cash advance, gives your business a lump sum now in exchange for a fixed, larger amount of its future sales, collected automatically. It isn't a loan — it's an advance against your future sales. Payment schedules are set per deal, and which options are available depends on qualifications: weekly, bi-weekly, monthly for qualified clients or, if desired, a percentage of sales. Daily payments are available on request, but they are not our preferred payment method. The structure is built for businesses with strong, steady deposits. An MCA is one form of revenue-based financing — the purchase of a fixed amount of your future receivables, collected by a fixed ACH debit from your business bank account.
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.
Two things about an advance surprise almost every operator who takes one. The first is that stretching it does not make it dearer once it is signed: the payback was fixed at signing, so a structure adjustment that slows the remittance on a position you already hold collects the same figure over more days, and a longer term costs more only at the moment you choose it. The second is that which payment schedule fits is decided not by your monthly total but by how many days a month money actually arrives — a count almost nobody knows for their own business, and one of the first things read off the statements.
We fund deals in house wherever we can. For specialized products and premium offerings we may place a deal with a direct lending partner, but only after talking through the options with you and only if you choose to; we never shop a file widely or pass it on to a broker. On deals up to $2 million we file no UCC-1 lien against the business and our agreements carry no confession of judgment. Above $2 million, what the agreement includes is set per deal and shown to you in writing before you sign. On every deal we fund, there is no lockbox account and no control of your card processor: payments are debited from your own business bank account. A funded client may apply to renew once half of the total payback has been paid (the full amount repaid under the agreement, including the cost).
Advances typically run 80%–150% of monthly revenue, inside $5,000 to $10 million. The amount and the payment move together — a bigger advance means a bigger payment on the same schedule. Ask what the payment looks like against your slowest week, not your best one.
A factor rate is the multiplier that sets the total payback on an advance: the total payback is the amount funded multiplied by the factor rate. It is a total cost on the amount funded, not an annual rate, and we always show the total dollar figure before you sign. Our APR vs factor rate guide walks through the full math.
Know whether you have been offered a fixed debit or a revenue-linked remittance, because a slower month reads very differently under each. On a Full Send Funding advance: If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days. We send a default notice only if the agreement is breached — never because sales slowed — and it gives you 10 business days to put it right.
MCAs fit best when speed matters most or credit history limits other options. If a term loan or an interest-bearing line of credit would cost you less, we’ll tell you — it’s in our interest that your funding works — and we can arrange either with a direct lending partner, only if you choose to and at no fee to you.
Across everything we fund, cost of capital runs from 4.5% to 45% depending on your qualifications and the term length, and every Full Send Funding offer states the total payback in plain dollars before you sign. That percentage is a total cost on the amount funded, not an annual rate, so on a short term the annualised equivalent runs well above it. We show the APR equivalent in a SMART Box disclosure precisely so the comparison is honest.
Typically 1–3 business days from a complete application to money in the account. The decision comes within 24 business hours and, on deals up to $2 million, funding within 24 hours of approval. Same-day funding is possible on a clean file submitted before 2pm ET. What slows an advance down is almost always a missing bank statement, not the decision.
Nothing, with us: our advances are collected by a fixed debit from your business bank account, never at your card processor, so changing processors is your business decision. What matters is that your sales keep landing in the business bank account the debit runs from, and moving that account is done with a signed change form. Elsewhere, ask before you sign: where an advance is collected by split funding, the processor divides each settlement between you and the funder, and agreements written that way usually restrict switching.
Yes. Full Send Funding offers merchant cash advances from $5,000 to $10 million and funds them in house, and an advance is one structure of several we can offer. We fund deals in house wherever we can. For specialized products and premium offerings we may place a deal with a direct lending partner, but only after talking through the options with you and only if you choose to; we never shop a file widely or pass it on to a broker.
We fund consolidations and buyouts in house: one advance of ours can pay off an advance you carry elsewhere (a buyout) or several at once (a consolidation), sized like any advance we fund. We read four months of statements with the existing positions in them and show you in dollars what consolidating costs against carrying the positions to term: it usually costs more in total and buys a lower payment, and we say so.
Yes, for qualified clients. Payment schedules are set per deal, and which options are available depends on qualifications: weekly, bi-weekly, monthly for qualified clients or, if desired, a percentage of sales. Daily payments are available on request, but they are not our preferred payment method.
Yes. Full Send Funding funds merchant cash advances up to $10 million. Above $2 million, what the agreement includes is set per deal and shown to you in writing before you sign. Above about $250,000 we often, though not always, also ask for the most recent business tax return and either year-to-date financials or an A/R aging report, depending on the business.
Start with the online application: the first step takes about 2 minutes and the rest about 10 minutes. You will need your most recent 4 months of business bank statements, a valid form of ID, a voided business check and basic business information. A decision comes within 24 business hours, and an offer stays open for 72 hours from the time we issue it. If you accept, the agreement comes to you for signature, and on deals up to $2 million, funding lands within 24 hours of approval.