Get Business Capital Based on
What You Already Earn
A merchant cash advance gives you a lump sum upfront, repaid automatically as a percentage of your daily sales. No fixed monthly payment. No collateral. Approval in as little as 24 hours.
How Much Does Your Business Need?
$500,000
$500,000
No collateral required . Approval in 24 hours . 625+ credit score accepted
$5K–$500K
625+
Min. credit score
24–48 hrs
3–18 mo
Typical term
How Merchant Cash Advance Works
1
Apply in 2 minutes
Tell us your monthly revenue, time in business, and credit score range. No hard pull on your credit.
2
Get matched to an MCA lender
We find the advance that fits your daily sales volume and business profile from our vetted lender network.
3
Repay from daily sales
A fixed percentage of your daily card or bank deposits goes toward repayment , automatically. No invoice. No due date.
Who Qualifies?
Most established small businesses qualify. Here is what lenders look for:
In business for 1+ year
Monthly revenue of $20,000 or more ($240K+ annually)
Credit score of 625 or above
US-based business with an active business bank account
No open bankruptcies in the last 12 months
Who Qualifies?
Most established small bussinesses qualify. Here is what lenders typically look for
Think Merchant Cash Advance might be right for you?
Check your eligibility in 2 minutes.
No hard credit pull.
Minimum Requirements at a Glance
Requirement
Minimum
Time in business
1 year minimum
Monthly revenue
$20,000/month($240K+ annually)
Credit score
625+ FICO
Collateral
None required
Personal guarantee
Not required
Funding speed
As fast as 24 hours
Advance range
$5,000 – $500,000
Repaymen
Fixed % of daily sales(factor rate 1.1–1.5)
Our matching tool launches soon
Is Merchant Cash Advance
Right for Your Business
PROS
CONS
Frequently Asked Questions
What is a merchant cash advance?
An MCA is not a loan, it is a purchase of your future sales revenue. A lender gives you a lump sum today in exchange for a percentage of your future daily sales until the agreed amount is repaid.
What is a factor rate?
Instead of an interest rate, MCAs use a factor rate, typically 1.1 to 1.5. Multiply your advance amount by the factor rate to know your total repayment. A $50,000 advance at 1.3 means you repay $65,000 total.
Will applying affect my credit score?
No. Checking your eligibility through Capital Loan Specialist uses a soft credit pull only. Your credit score is not affected.
How quickly can I get funded?
Most approvals happen within 24 hours. Funding typically lands in your account within 1–2 business days after approval.
Can I qualify with a 625 credit score?
Yes. MCA lenders focus more on your revenue history than your credit score. A 625 FICO is the minimum — strong monthly revenue can offset a lower score.
What types of businesses use MCAs?
Restaurants, retail stores, medical practices, auto repair shops, salons, and any business with consistent daily card sales or bank deposits. If your business processes regular transactions, you likely qualify.
Further Reading
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Not the Right Fit? Explore Other Options
Business Line of Credit
Flexible revolving access to funds. Draw what you need, repay, and draw again. Best for ongoing cash flow management.
Business Term Loan
Working Capital Loan
Short-term funding specifically for day-to-day operating costs, payroll, inventory, and overhead.
Advance
Advance transferred
$75k
Received
Matched with lenders including
