"NOT AVAILABLE IN EVERY STATE"
A Merchant Cash Advance (MCA) provides fast, flexible funding by advancing cash in exchange for a portion of future credit card sales or business revenue.
Key Benefits:
✅ Quick access to capital – Funds in 24–72 hours
✅ No collateral required – Unsecured financing
✅ Flexible repayments – Based on daily/weekly sales (lower if revenue drops)
✅ Easier approval – Focuses on revenue, not credit score (good for bad credit)
✅ No fixed monthly payments – Adjusts with cash flow
✅ Versatile use – Covers payroll, inventory, emergencies, etc.
Drawbacks:
❌ Expensive – High factor rates (equivalent to very high APRs)
❌ Daily/weekly deductions – Can strain cash flow
❌ Less regulation – Terms vary widely
Weekly payments available at the underwriters’ discretion
Soft credit pulls only for all applicants
Need sufficient funds in bank prior to funding for all MCA’s.
(Daily-5 x payment) (Weekly 1 x payment)
Applications need 4 mos. bank statements
All submissions-please include bank MTD
if submitting after the 14th of the month
Merchant must have no more than 4 open positions
UNDERWRITING GUIDELINES
6 months in business / Need voided check & valid DL
for contract to be issued (no ITIN accepted)
No FICO requirement, merchant should have 2-3
seasoned open tradelines in good standing
BK-13 okay but must provide recent trustee statement
+ proof of 12 months payments to trustee
Defaults okay but must be over 12 months, merchant
will be eligible for starter program
Minimum Funding Amount-
$5,000.00 / Max Funding Amount-$150,000.00
Merchant must not be in any MCA payment plans, debt consolidation or reverse consolidation
No pre-payment discounts
Funding Fee is 6% of the funding amount
Merchant must be located in U.S.
(We do not fund NY, CA,TX, or VA)
We don’t fund Puerto Rico
Minimum Ownership-51%
Merchant should have 5+ deposits a month
& minimum of $10,000 month in deposits
Decision Logic or bank log-in must be stipulated
prior to all funding’s
Daily balances should not include more than
5 negative days per monthInitial terms 100-120 days