Merchant cash advances
Fast funding based on your sales volume.
If your business processes credit card transactions or has consistent daily revenue, a merchant cash advance can provide fast, flexible capital. You repay a fixed percentage of daily sales, so payments flex with your revenue, less in slow periods, more during busy times.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Advance size
- $5K to $500K
- Payback term
- 3 to 18 months
- Factor rate
- 1.10 to 1.50
- Time to fund
- 1 to 3 days
- Collateral
- None (future receivables)
- Funding in as little as 24 to 48 hours
- Repayment tied to your daily sales
- No collateral required
- Approval based on revenue, not just credit
- 4+ months in business
- $10K+ monthly revenue
- Minimum 500 credit score
- Last 3 months merchant or bank statements
Ideal use cases
Retail, restaurants, service providers, or any business with credit card sales needing quick capital for inventory or marketing.
Estimate your payment.
Merchant cash advance calculator
Repayment flexes with your daily sales — estimate your payback and timeline.
Estimates only — actual terms depend on your business profile and lender criteria.
Common questions about merchant cash advance.
Is an MCA the same as a loan?
Technically no. An MCA is the purchase of future receivables at a discount, not an interest-bearing loan. It is regulated differently and reported differently to credit bureaus.
How expensive is an MCA compared to a traditional loan?
MCAs carry higher effective costs (often 30 to 60% APR equivalent). They are best used for short-term opportunities with clear ROI, not for long-term financing.
Can I qualify with bad credit?
Yes. MCA underwriting focuses on revenue consistency, not FICO. Many borrowers with 500 to 600 scores qualify.
What happens if sales slow down?
Because repayment is a percentage of daily sales, payments naturally decrease in slower periods. The payback timeline extends accordingly.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
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