A Merchant Cash Advance (MCA) is a type of business funding where you receive a lump sum of cash in exchange for a percentage of your future credit card or debit card sales. Unlike traditional loans, MCAs do not have fixed monthly payments—repayment is based on your daily or weekly sales, making it a flexible option for businesses with fluctuating revenue.

Unlike traditional bank loans, which have fixed monthly payments and require strong credit history, MCAs are based on your business’s revenue. Repayment is automatically deducted from your sales, and the approval process is much faster—often within 24 to 48 hours—making it an ideal solution for businesses that need quick funding.

Eligibility for a Merchant Cash Advance is primarily based on your business’s sales volume rather than credit scores. Generally, to qualify, businesses should have: A consistent flow of credit card or debit card transactions At least 3-6 months in business A minimum monthly revenue (varies by provider)

The amount of funding you can receive depends on your business’s average monthly revenue. Most MCA providers offer advances ranging from $5,000 to $500,000. The funding amount is typically based on a percentage of your monthly sales, ensuring that repayment aligns with your business’s cash flow.

30%

4-8 weeks

Yes

3 years of tax returns P&L

A business line of credit is a flexible financing option that allows businesses to borrow up to a predetermined credit limit and withdraw funds as needed. Unlike a traditional loan, you only pay interest on the amount you use, making it a great solution for managing cash flow, covering unexpected expenses, or seizing growth opportunities.

Once approved, you can access funds up to your credit limit and repay them over time. As you repay the borrowed amount, your available credit replenishes, allowing you to use it again. Interest is only charged on the amount withdrawn, not the entire credit limit, giving businesses greater financial flexibility.

Secured Line of Credit: Requires collateral, such as business assets or inventory, which the lender can seize if you fail to repay. These typically offer higher credit limits and lower interest rates. Unsecured Line of Credit: Does not require collateral but may have stricter approval requirements, lower credit limits, and higher interest rates.

Eligibility requirements vary by lender, but common qualifications include: A business operating for at least six months to two years A minimum annual revenue (typically $50,000–$250,000) A good personal and/or business credit score Proof of steady cash flow and financial stability

With a one-page credit application, we can fund up to $500,000. Based on your credit, approval may be completed within a few hours. Approvals typically occur within 24-48 hours; funding is completed shortly thereafter.

Wheels, tires, and tracks — we got you covered! We finance most types of new or used business equipment including commercial vehicles, office and manufacturing equipment, computers, software, and furniture.

No! We can finance new or used equipment. There is no age or mile restriction for financing. We also finance private party sales.

Rates vary and are determined based on a customer’s credit, type of equipment, equipment cost, and term structure.

Businesses can apply for up to $ 500,000.

Time in business should not limit options for your small business. MCF has start up programs available.