Capital Based on Your Future Sales — Not Your Credit Score
A merchant cash advance gives you a lump sum of capital in exchange for a percentage of your future daily credit card and debit card sales. No fixed monthly payments — you pay more when sales are strong and less when they're slow.
MCA at a Glance
How a Merchant Cash Advance Works
An MCA isn't a loan — it's a purchase of your future receivables. This distinction means simpler qualification, faster funding, and payments that flex with your revenue.
Apply in Minutes
Provide basic business info and 4 months of bank/processing statements. No tax returns needed.
Get Approved Fast
Approval decisions in hours, not weeks. Most businesses receive an offer within the same business day.
Receive Your Advance
Lump sum deposited directly to your business bank account within 24-48 hours of acceptance.
Flexible Repayment
A small percentage (5-20%) of each day's card sales is automatically withheld. Slow sales day = lower payment. Busy day = higher payment.
MCA Example
*Payments automatically adjust with your sales volume.
Who Benefits Most from MCAs?
Restaurants & Bars
High daily card volume makes MCA perfect. Cover renovations, equipment, seasonal staffing, or marketing pushes.
Retail Stores
Stock inventory for holiday seasons, expand product lines, or renovate your storefront with flexible capital.
Auto Repair & Dealerships
Purchase parts inventory, upgrade lifts and diagnostic tools, or expand service bays.
Salons & Spas
Renovate spaces, add treatment rooms, purchase new equipment, or fund marketing campaigns.
Medical & Dental Practices
Upgrade patient care equipment, expand office space, or cover staffing during growth.
E-Commerce Businesses
Fund inventory purchases, marketing spend, or technology upgrades with capital that flexes with your online sales.
MCA: Advantages & Considerations
Advantages
- Fastest funding option (24-48 hours)
- Lowest credit score requirements (500+)
- No collateral or personal guarantee (some programs)
- Payments flex with your revenue
- No fixed monthly payment stress
- Short 4-month business history requirement
- Simple application — no tax returns
- Doesn't appear as traditional debt
Considerations
- Higher cost of capital than traditional loans
- Daily/weekly repayments from sales
- Factor rates (not APR) can be harder to compare
- May not be ideal for businesses with low card volume
- Doesn't build business credit history
- Short repayment windows (4-18 months)
- Stacking multiple MCAs increases risk
MCA Frequently Asked Questions
Is a merchant cash advance a loan?
No. An MCA is technically a purchase of your future receivables. This distinction means MCAs are not subject to traditional lending regulations and usury laws. The funder purchases a portion of your future sales at a discount.
What's a holdback percentage?
The holdback is the percentage of your daily credit/debit card sales that's automatically withheld for repayment. If your holdback is 12% and you process $3,000 in card sales, $360 goes toward your MCA balance.
What happens during slow business periods?
Your daily payment decreases proportionally. If sales drop 50%, your MCA payment drops 50% too. This is the key advantage of an MCA — it's designed to accommodate natural business fluctuations.
Can I get an MCA if I've been declined for a bank loan?
Absolutely. MCAs have the most flexible qualification requirements of any business funding product. Many of our MCA clients have been previously declined by banks. Credit scores as low as 500 may qualify.
How is the advance amount determined?
Your advance amount is typically based on your average monthly card processing volume and bank deposits. Most businesses qualify for 1-1.5x their average monthly revenue.
Get Capital That Works With Your Business
Apply in 5 minutes. Get funded in 24 hours. Payments flex with your sales.
Apply for MCAA merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Advance amounts, factor rates, and holdback percentages vary by applicant. TrustScore Business Funding connects businesses with MCA providers and is not a direct funder. Examples are illustrative only. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.