Business Funding. Without the Roadblocks.

A merchant cash advance (MCA) is a form of business financing in which a funding provider purchases a portion of a business's eligible future receivables in exchange for an upfront sum. The business then remits an agreed percentage of sales or a fixed amount over time until the purchased amount has been delivered. MCAs are generally not structured as loans, and their terms are set by the funding provider.

You submit an application with information about your business, such as revenue, time in business and your financing needs. That information is reviewed and, where appropriate, shared with funding partners who may be able to help. If a partner can offer financing, they present an offer with their terms. You review the offer and decide whether to accept. Each provider has its own underwriting criteria and agreement.

Requirements vary by product and funding partner, but common items include recent business bank statements (often the last 3 to 6 months), government-issued identification for owners, business registration details and, for some products, financial statements, tax documents, equipment quotes or accounts receivable reports.

Yes, you can apply. Some funding partners place more weight on business performance and revenue than on credit scores alone, while others have stricter credit requirements. Credit is one of several factors, and applying does not guarantee approval.

Yes. Some funding partners will consider businesses with existing financing. Your current obligations, revenue and repayment history will be part of the review, and the outcome depends on each partner's criteria.

We work with businesses across a wide range of industries, including construction, transportation, restaurants, retail, healthcare, manufacturing, professional services and many more. Some funding partners have restrictions on certain industries, so eligibility varies.