MCA - Merchant Cash Advance
Merchant cash advances are not loans but instead a business-to-business transaction that involves the selling of a company’s future credit card sales or a portion of the company’s bank deposits to a commercial lender in exchange for an upfront lump sum of funding at a discount. Since this type of commercial financing is cash flow driven, a company may get approved even with poor personal and business credit. This financing tool is usually used by small and medium-sized businesses that have a time-sensitive cash crunch, because approvals for merchant cash advances can take as little as 2-24 hours, with same day funding.
You can turn your future sales into the financing you need right now to run your business.
Minimum Requirements:
Ending Bank Balance Average over the last three months must be a minimum of $25,000
Borrower Minimum FICO is 640+
No More than two NSF's each month during the four preceding consecutive months
Merchant cash advances are not loans but instead a business-to-business transaction that involves the selling of a company’s future credit card sales or a portion of the company’s bank deposits to a commercial lender in exchange for an upfront lump sum of funding at a discount. Since this type of commercial financing is cash flow driven, a company may get approved even with poor personal and business credit. This financing tool is usually used by small and medium-sized businesses that have a time-sensitive cash crunch, because approvals for merchant cash advances can take as little as 2-24 hours, with same day funding.
You can turn your future sales into the financing you need right now to run your business.
Minimum Requirements:
Ending Bank Balance Average over the last three months must be a minimum of $25,000
Borrower Minimum FICO is 640+
No More than two NSF's each month during the four preceding consecutive months
This is not an offer to lend or extend credit. Credit approval is subject to credit standards, and actual terms (including actual loan amount) may vary by applicant. Advisory Services USA requires certain supporting documentation with each new application and offers no guarantee of funding or loan offers and the terms thereof. All Loan decisions are made by our lending partners and subject to their specific underwriting criteria and approval processes.
©2025 We Finance America Inc.. All rights reserved