A merchant cash advance puts a lump sum of working capital in your account today—repaid as a small percentage of your future sales. No credit score requirement, no collateral, funded in as little as 24 hours.
Apply Now →A simple 5-minute application. No appointments, no branch visits, no stacks of forms.
Approved in hours and funded as fast as 24 hours, so you never miss a payroll or a job.
We never set a credit cutoff. A soft pull only—checking your options never dings your score.
We qualify you on your monthly sales, not your credit. If your business earns, you can qualify.
A merchant cash advance isn't a loan—it's an advance on the sales your business is already making. You get a lump sum of working capital today and repay it as a small, fixed percentage of your daily or weekly sales.
When business is busy, you pay it down faster. When things slow down, your payments ease up with you. The cost is a single fixed factor rate you know from day one—no compounding interest and no surprises.
Now that you've seen the terms, get a personalized advance quote based on your revenue and sales history.
Your monthly sales
Your advance
50% – 150% of monthly salesYour business is so much more than a credit score. We look at the sales you're already making and turn them into working capital you can put to work today. Strong months mean stronger offers—because we fund based on what your business actually does, not a number from your past.
No credit score requirement. No collateral. No mountain of paperwork. If your business has steady revenue, you likely already qualify.
Start My Application →Get funded in four simple steps. No complicated paperwork, no endless waiting.
Fill out our 5-minute application. It's free and won't affect your credit score.
5 minSend over a few simple documents so we can verify your revenue. Most owners upload everything in minutes.
MinutesWe analyze your business health and present clear, transparent offers within hours.
HoursAccept your offer, and the funds will be in your bank account in as little as 24 hours.
24 hrsFrom the job site to the storefront, business owners across every industry use a merchant cash advance to seize opportunities and smooth out cash flow.
Cover payroll and materials while you wait on invoices.
Stock up for the busy season or renovate the dining room.
Fuel, repairs, and a new rig to take on bigger routes.
Add equipment or bridge gaps between insurance payouts.
Open a second chair, restock product, or expand the space.
Buy a new oven and keep the shelves full every morning.
Hire crew and buy inventory to handle more jobs at once.
Load up on inventory ahead of your biggest sales months.
Add a lift, tools, and parts to service more vehicles.
"Bank had me jumping through hoops for three weeks and still said no. These guys looked at my deposits and had money in my account by Thursday. Used it to make payroll and take on a job I would've had to turn down."
"I was nervous because my credit isn't great, but they really didn't care about that. It was all about what the restaurant brings in. Paid it back faster during our busy months and the slow weeks were lighter, just like they said."
"Straightforward people. No runaround, no surprise fees buried somewhere. I knew the total cost before I signed anything. Already came back for a second advance to buy another truck."
Tap any topic to learn more—everything you need to decide with confidence, in plain language.
A merchant cash advance (MCA) is a lump sum of working capital you receive today in exchange for a small, fixed percentage of your future sales. It is not a loan—there is no fixed monthly payment and no interest that compounds. Instead, you repay automatically as your business earns, which is why many owners with uneven or seasonal revenue prefer it.
Repayment is collected as a set percentage of your daily or weekly sales, drawn directly from your business bank account. Because the amount moves with your revenue, you pay more when sales are strong and less when they dip. There is nothing to remember and no check to mail—it simply adjusts to your cash flow until the advance is paid in full.
The cost of an MCA is expressed as a factor rate rather than an interest rate. For example, a $50,000 advance at a 1.30 factor rate means you repay $65,000 in total. The rate is fixed and disclosed up front, so you know the full cost before you accept—no hidden fees and no surprises down the road.
Most applications take about five minutes, decisions come back within hours, and approved funds can land in your account in as little as 24 hours. The speed comes from how we underwrite—your recent bank statements and revenue tell us most of what we need, so there is no waiting weeks for a committee.
The advantages are speed, flexible revenue-based repayment, no collateral, and approval without a credit-score cutoff. The trade-off is cost: an MCA typically carries a higher cost of capital than a traditional bank loan. It works best when the capital helps you earn more than it costs—covering payroll, buying inventory, or taking on a job you would otherwise lose.
A merchant cash advance is a strong fit if you have steady sales, need capital quickly, and have a clear use that pays off in the near term. If you have months to wait and qualify for the lowest bank rates, a term loan may cost less. We will always talk you through the options honestly so you choose what actually fits your situation.
Fast, revenue-based working capital for small business owners. We look at your sales—not your credit score.
Apply Now →© 2026 mfunding. All rights reserved.
A merchant cash advance is a purchase of future receivables, not a loan. Approval and terms are based on business revenue.