What Is a Small Business Cash Advance?
A small business cash advance — also called a merchant cash advance (MCA) — provides a lump sum of working capital in exchange for a fixed percentage of your future daily deposits. You receive money today and repay it automatically from your business bank account over a set period.
Unlike a bank loan, there's no monthly payment, no collateral requirement, and no 30-60 day approval wait. The cost is expressed as a factor rate (e.g., 1.25) rather than an annual interest rate — you repay $1.25 for every $1.00 you borrow.
Total repayment = $62,500
Daily holdback = 12% of deposits
If your account receives $5,000/day in deposits:
Daily repayment = $600
Estimated term = ~104 business days
Bank Loan: Credit-based, 680+ FICO, 30-60 days, collateral often required
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Qualification Requirements
Industries That Get Cash Advances
Get Your Cash Advance Today
5-minute application. No hard credit pull. Decision in hours.
$10,000 – $1,000,000. All 50 states. Bank turndowns OK.
Frequently Asked Questions
What is a small business cash advance?
A small business cash advance is working capital provided in exchange for a percentage of future revenue. Repayment happens automatically via daily ACH debits — a fixed percentage of deposits. No fixed monthly payments, no collateral, 500 FICO minimum.
How much can I get?
Most businesses qualify for 75-150% of their average monthly deposits. A business with $20,000/month deposits typically qualifies for $15,000-$30,000. Amounts range from $10,000 to $1,000,000.
What credit score is needed?
500 FICO minimum. Soft pull only — no impact on credit score from applying. Approval is based primarily on monthly deposits. Bank turndowns, tax liens, and prior bankruptcy do not automatically disqualify.
How fast can I get funded?
5-minute application. 2-4 hour decision. 1-3 day funding. Same-day available for complete applications submitted before noon.
What's the difference between a cash advance and a business loan?
A cash advance is revenue-based (approves at 500 FICO, funds in 1-3 days, no collateral). A business loan is credit-based (requires 640-680+ FICO, takes 30-60 days, often requires collateral). Cash advances have higher factor rates — the tradeoff is speed and accessibility.