A merchant cash advance is essentially an upfront payment made against your future business earnings. It works well for microbusinesses and self-employed professionals who experience irregular income or hold lower credit scores.

Commonly referred to as an MCA, a merchant cash advance is not a loan but rather an advance of capital determined by a business’s or contractor’s projected revenue. Independent contractors and business owners can conveniently apply for an MCA and receive funds directly in their bank account, often as soon as the next business day after approval.

Because MCA agreements generally come with higher costs than other financing solutions, it is important to fully understand the conditions you are offered. This ensures you can make the best decision regarding whether an MCA is the right fit for your circumstances. Our specialists are here to guide you throughout the process, carefully reviewing your agreement and explaining all details clearly—so you feel confident in moving forward with your funding arrangement.

Merchant cash advances are well-suited for industries that primarily collect payments electronically, whether through credit card transactions or electronic transfers and deposits. They provide strong advantages for business owners in service, retail, and restaurant sectors, as well as independent contractors and owner-operators like Uber and Lyft drivers. These individuals often lack the consistent business revenue required to secure approval for a standard loan or a traditional merchant cash advance, making this option an accessible and practical financing solution.

At MCA, our mission is to support small business owners and self-employed professionals by delivering flexible funding solutions. Unlike conventional lenders, we do not rely on credit scores. Instead, we carefully review your business bank statements to evaluate affordability and confirm that the advance will not disrupt your daily operations.

To be eligible for MCA financing, your business must have been operating for at least three months with consistent account activity. In addition, your account should reflect an average monthly revenue of no less than $1,500. These requirements help us measure both your financial stability and your ability to repay.

It is important to highlight that we are currently unable to extend our services in New York and California. We sincerely regret any inconvenience this may cause and look forward to expanding into these states in the future.

Our objective is to deliver fair and accessible financing to entrepreneurs across diverse industries. If you meet the eligibility standards and are located outside California and New York, we invite you to apply and take advantage of MCA’s funding opportunities.

As long as you are not currently in bankruptcy, your credit score will not affect your application. The main consideration in determining approval is your business’s revenue and account balance.

MCA’s review process provides application decisions within minutes. In several cases, applicants receive preliminary approval, subject to a verification interview conducted by one of our representatives. Completing the application generally requires no more than 10 minutes from beginning to end, allowing you to quickly obtain a funding decision.

At present, we are not connected with every US bank, though we are actively working to expand our network. Our goal is to make our services accessible to a broader group of clients.

For details on banks we are unable to partner with, please review the list of ineligible banks. This section is updated regularly to maintain transparency and keep you informed of any changes to our banking partnerships.

Unlike standard term loans, merchant cash advance repayment provides more flexibility. We understand businesses experience fluctuations—some months may bring high sales, while others may see slower periods. MCA allows you to adjust payments to reflect these variations.

Additionally, we offer substantial discounts to clients who receive unexpected financial gains and decide to repay earlier than scheduled, enabling savings while closing their advance sooner than planned.

We are dedicated to protecting your privacy and ensuring the security of your personal and business details. Our platform uses advanced 256-bit encryption and undergoes daily malware scans, upholding the highest standards of cyber protection.

We partner with Plaid, the industry leader enabling secure connections with your financial institution.

Plaid prioritizes the safety and privacy of your financial information. Their systems employ advanced encryption and rigorous security measures, guaranteeing your data remains protected at all times. Through Plaid’s API, your banking data is securely retrieved, giving us access to the financial statements, balances, and transactions necessary for our automated decision-making process.

We also recognize how important confidentiality is. As a Plaid partner, we follow strict data protection practices to handle your information with the highest level of care. Safeguarding your trust and privacy will always remain central to our mission.

Unlike conventional term loans, merchant cash advance repayment provides additional flexibility. We know businesses encounter highs and lows—some months bring increased revenue, while others may slow down. Fundo allows you to adjust payments to align with these changes.

Additionally, we extend generous discounts to clients who experience unexpected gains and choose to repay ahead of schedule, helping them save while completing repayment sooner.

Using Plaid to share your banking information has no effect on your credit history. The data we obtain through Plaid is exclusively reviewed to evaluate your qualification for our cash advance services and never includes any credit inquiries.