A merchant cash advance gives you a lump sum upfront, repaid automatically as a percentage of your daily sales. No fixed monthly payment. No collateral. Approval in as little as 24 hours.
No collateral required . Approval in 24 hours . 625+ credit score accepted
Min. credit score
Typical term
Tell us your monthly revenue, time in business, and credit score range. No hard pull on your credit.
We find the advance that fits your daily sales volume and business profile from our vetted lender network.
A fixed percentage of your daily card or bank deposits goes toward repayment , automatically. No invoice. No due date.
Most established small businesses qualify. Here is what lenders look for:
Most established small bussinesses qualify. Here is what lenders typically look for
Check your eligibility in 2 minutes.
No hard credit pull.
1 year minimum
$20,000/month($240K+ annually)
625+ FICO
None required
Not required
As fast as 24 hours
$5,000 – $500,000
Fixed % of daily sales(factor rate 1.1–1.5)
An MCA is not a loan, it is a purchase of your future sales revenue. A lender gives you a lump sum today in exchange for a percentage of your future daily sales until the agreed amount is repaid.
Instead of an interest rate, MCAs use a factor rate, typically 1.1 to 1.5. Multiply your advance amount by the factor rate to know your total repayment. A $50,000 advance at 1.3 means you repay $65,000 total.
No. Checking your eligibility through Capital Loan Specialist uses a soft credit pull only. Your credit score is not affected.
Most approvals happen within 24 hours. Funding typically lands in your account within 1–2 business days after approval.
Yes. MCA lenders focus more on your revenue history than your credit score. A 625 FICO is the minimum — strong monthly revenue can offset a lower score.
Restaurants, retail stores, medical practices, auto repair shops, salons, and any business with consistent daily card sales or bank deposits. If your business processes regular transactions, you likely qualify.
.
.
.
.
.
Flexible revolving access to funds. Draw what you need, repay, and draw again. Best for ongoing cash flow management.
A lump sum with fixed monthly payments and a set term. Lower cost than an MCA for businesses with strong credit.
Short-term funding specifically for day-to-day operating costs, payroll, inventory, and overhead.
