A merchant cash advance gives your business a lump sum of capital today in exchange for a set portion of your future sales — with repayment that flexes with your revenue.
You receive funds upfront. Repayment happens automatically as a fixed percentage of your daily or weekly sales until the agreed total is met. Instead of an interest rate, an MCA uses a factor rate — a simple multiplier that determines the total amount you repay. We explain your factor rate and total cost clearly before you commit.
Qualification is based more on your revenue than your credit score. Lenders in our network typically look at:
Less-than-perfect credit does not automatically disqualify you — a strength of MCA funding for many business owners.
| Merchant Cash Advance | Traditional Bank Loan | |
|---|---|---|
| Speed to funding | Fast — often days | Slow — weeks to months |
| Repayment | Flexes with your sales | Fixed monthly payment |
| Credit emphasis | Revenue-focused | Credit-score-focused |
| Cost structure | Factor rate | Interest rate (APR) |
| Collateral | Typically not required | Often required |
An MCA is generally faster and more accessible but can cost more than a bank loan. As a broker, our job is to be transparent about that tradeoff and find you the most competitive terms available.
An MCA can be a strong fit when you need capital quickly, have consistent sales, and want repayment that eases off during slow periods. Not sure? Call us at (305) 684-3789 and we'll help you weigh it honestly.