MCA (Merchant Cash Advance)

Need fast funding based on your daily sales? A merchant cash advance offers quick access without traditional loan requirements. Learn how it works and get pre-qualified today.

Fast, Flexible Funding Based on Your Sales

Discover Merchant Cash Advance Options and Get Pre-qualified

Turn Future Sales Into Cash—Fast

A merchant cash advance (MCA) gives you access to working capital based on your business’s daily or monthly sales—without the paperwork, waiting, or credit score requirements of traditional loans.

At Smarter Business Funding, we help small business owners access fast MCA funding when speed matters most. Whether you’re covering payroll, buying inventory, or managing seasonal dips, a merchant cash advance can help you keep moving.

Learn more about how MCAs work from NerdWallet

How a Merchant Cash Advance Works

An MCA isn’t a loan—it’s an advance against your future sales. Here’s how it typically works:

  • You receive a lump sum (e.g., $10,000–$250,000)

  • Repayment is made daily or weekly as a percentage of your sales

  • The more you earn, the faster you repay; slower days = smaller payments

It’s simple, flexible, and fast—often funding in as little as 24–48 hours.

What You’ll Need to Qualify

MCAs are one of the easiest funding types to qualify for. Most providers look at:

  • 3–6 months in business

  • Consistent daily credit/debit card or total sales volume

  • 3–6 months of business bank statements

  • Business location and industry

  • Credit score (optional or minimally weighted)

Tip: MCAs are often used by retail stores, restaurants, salons, or service businesses with regular transaction volume.

Benefits of MCA Funding

  • Fast access to capital (often 1–2 business days)

  • No collateral required

  • Minimal credit requirements

  • Flexible repayment tied to your daily revenue

  • Use funds for anything—inventory, equipment, rent, marketing, payroll

Read the pros and cons in this U.S. Chamber article on MCAs

Who a Merchant Cash Advance Is For

An MCA might be the right fit if:

  • You need cash quickly

  • You’ve been denied a traditional loan

  • Your credit isn’t great

  • You don’t have collateral

  • Your business generates regular sales

  • You want flexibility in repayment tied to your income

Let’s Get You Pre-qualified for an MCA

You’re not applying for anything today—just seeing what you could qualify for.

Answer a few quick questions, and we’ll match you with MCA providers who understand your business and your cash flow needs.

Get Pre-qualified Today!