Merchant Cash Advance
Get $10,000 to $3,000,000 in working capital with flexible repayment based on your future credit card sales. Perfect for businesses that need fast, flexible funding.
$10K - $3M
Advance amounts
24-48 Hours
Approval time
Flexible Terms
Based on sales volume
Credit Card Sales
Repayment method
How Merchant Cash Advance Works
A Merchant Cash Advance (MCA) provides businesses with a lump sum of capital in exchange for a percentage of future credit card sales, plus a fee. It's not a loan, but rather an advance based on your business's future revenue.
Key Benefits:
- Fast access to capital (as soon as 24 hours)
- No fixed monthly payments
- Payments adjust with your sales volume
- No collateral required
- Simple application process
- Renewable as you pay down balance
Ideal For:
Advance Terms
- Advance Amount:$10,000 – $3,000,000
- Factor Rate:1.10 – 1.50
- Holdback Percentage:5% – 20% of daily sales
- Term Length:3 – 24 months
- Time to Funding:As fast as 24 hours
Eligibility Requirements
- 6+ months in business
- $10K+ monthly revenue
- Business bank account
- 475+ credit score
- No collateral required
- Accept credit cards
MCA Example
Advance Details
- Advance Amount:$50,000
- Factor Rate:1.30
- Payback Amount:$65,000
- Holdback %:10% of daily sales
- Estimated Term:6 months
How It Works
Based on your average monthly credit card sales of $50,000, you qualify for a $50,000 advance.
With a 10% holdback, $5,000 of your monthly credit card sales would go toward repaying the advance.
The faster your sales, the quicker you repay. The slower your sales, the longer it takes.
No fixed payments. No fixed term. Just a percentage of your daily sales.
Need Fast Business Funding?
Get the working capital you need to grow your business. Apply now and get a decision within 24 hours.
Have questions? Contact our team
Important Compliance Notice
Investor Credit Partners is not a lender. We are a brokerage and advisory firm that works with a network of funding providers. All programs, rates, amounts, and timelines are subject to change and approval by the underlying provider. Approvals depend on creditworthiness and underwriting. Some programs require a soft credit pull and some require a hard pull. Programs may be limited by state availability and industry. Nothing on this page is financial, legal, or tax advice.