Merchant Cash Advance (MCA)
Banking & Capital Markets
Capital When You Need It Most.
A Merchant Cash Advance is not a traditional loan—it is an advance on your future revenue. We provide you with a lump sum of capital immediately, and you repay it seamlessly via a small, agreed-upon percentage of your daily sales. It flexes with your business: if sales are slow, your payments are lower.
Fast Funds for Immediate Needs.
Because an MCA focuses on your business’s cash flow rather than your credit score or collateral, approval is exceptionally fast. It is the perfect solution for businesses that need immediate liquidity to solve sudden problems or seize fleeting opportunities.
What is a merchant cash advance?
A merchant cash advance (MCA) provides a lump sum of working capital in exchange for a percentage of your future card sales. Repayment is automatic — a fixed percentage of your daily sales is deducted as sales come in, so payments naturally flex with your revenue.
- Payments scale with your daily sales — more on good days, less on slow ones
- No fixed monthly payment to manage
- Fast funding for qualified businesses
Is a merchant cash advance right for me?
What can a merchant cash advance be used for?
Use it for urgent working capital: covering payroll, stocking inventory, buying equipment, handling a slow season, or seizing a growth opportunity when traditional funding would take too long.
Do I qualify for a merchant cash advance?
Qualification is driven primarily by your card sales volume and time in business, with more flexibility on credit than traditional loans. Businesses with steady card revenue typically qualify — see the requirements below.
What types of businesses typically apply?
Restaurants and hospitality, retail stores, e-commerce, service businesses, and any business with consistent card-based sales that needs working capital faster than a bank loan can provide.
How is an MCA different from a traditional loan?
A traditional loan has fixed payments and a set term. An MCA is an advance on future sales — payments are a percentage of daily sales, so they rise and fall with your revenue instead of being fixed.
Why choose an MCA with BFA Biz Cap?
Speed
Funding in as little as 24–72 hours for qualified businesses — fast enough for real emergencies.
Payments that flex
Repayment is a percentage of daily sales — slow days mean smaller payments, automatically.
Credit-friendly
Qualification leans on sales volume rather than credit score, opening the door for more businesses.
No fixed commitment
No rigid monthly schedule — the advance is repaid as your business generates sales.
Merchant cash advance advantages
- Funding in as little as 24–72 hours
- Payments automatically align with your revenue
- Available to businesses with less-than-perfect credit
Merchant cash advance requirements
- [review] months in business
- Minimum monthly card sales of $[review]
- [review] months of business bank statements
- Completed application
Documents you’ll need to apply
- Last 3–6 months of business bank statements
- Processing statements or monthly card sales summary
- Business license and voided business check
- Valid owner identification
Common questions. Straight answers.
How do I apply for a merchant cash advance?
Start on the merchant cash advance form page — it takes a few minutes, and funding can move fast once your documentation is in.
How is repayment calculated?
A fixed percentage of your daily card sales goes toward repayment. On strong sales days the payment is higher; on slow days it’s lower — it flexes with your business.
What if my credit score is low?
An MCA is driven primarily by your card sales volume rather than credit score. Lower credit profiles are often still able to qualify.
How fast can I get funded?
Qualified applicants can receive funds in as little as 24–72 hours from approval.
Can I pay off my advance early?
Yes — most advances can be paid off early, and doing so can reduce the total cost. Check your agreement for details.
Is an MCA right for every business?
It’s ideal for businesses with steady card sales that need capital quickly. Our team can also point you to term loans or lines of credit if a traditional structure fits you better.
With $1B+ funded and 15,000+ businesses served since 2009, BFA Biz Cap moves fast when you do. Get your advance started in minutes.
Speed & Reliability.
In rapid capital deployed.
Advances successfully funded
Unlocking Your Cash Flow
An MCA empowers you to bridge gaps and jump on opportunities without waiting weeks for bank approvals. We partner with business owners to unlock the capital trapped in their future sales, turning tomorrow’s revenue into today’s purchasing power
Flexible Structures for Your Revenue.
Traditional MCA
A standard advance where a small, agreed-upon percentage of your daily credit card sales is automatically withheld until the advance is settled. It naturally flexes with your daily sales volume.
ACH Revenue Advance
Instead of credit card splits, a fixed daily or weekly ACH withdrawal is made directly from your business bank account. This provides a more predictable payment schedule.
High Volume Advances
Designed for established businesses with massive monthly revenue. Secure significantly higher funding limits up to $500k to tackle large-scale immediate needs.
Starter Advances
Perfect for newer operations. As long as you have at least 6 months of steady revenue, we can help you secure the initial working capital you need to scale up.
Our Automotive Experts
Comprehensive Funding to Fuel Your Growth
Navigating business financing shouldn’t be a hurdle. Whether you need the flexibility of a line of credit, the stability of a term loan, rapid cash advances, or specialized tax credits, we provide the tailored strategies and hands-on support you need. We handle the heavy lifting of the funding process so you can stay focused on what matters most: running and growing your business.