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Merchant Cash Advance
The Fastest Capital in Business Financing. No Collateral Required.
Your client owes you money. You did the work. But the invoice sits unpaid while your bills don’t wait. Invoice financing turns the cash you’re already owed into cash you can use today.
What Is a Merchant Cash Advance?
A merchant cash advance (MCA) is technically not a loan; it’s structured as a purchase of your future receivables. In exchange for upfront capital, you repay through a percentage of your sales, either as a fixed regular payment or a small daily split based on your processing volume.
Because it’s structured this way, MCAs typically don’t require a personal guarantee in most cases, and they’re one of the most accessible funding options for businesses navigating financial complexity.
It's the right fit when:
- You're navigating a critical inflection moment and need capital now
- You need to close on a time-sensitive opportunity
- Your business has tax liens or a previous bankruptcy that limit traditional options
- You want the fastest possible path from application to funded
- You'd rather repay based on a percentage of sales than fixed monthly payments
If speed and accessibility matter more than minimizing total cost, an MCA is built exactly for that priority.
Why Business Owners Choose a Merchant Cash Advance
The fastest funding timeline available.
Approvals are often completed within 24 hours, with funds typically deposited into your account within 1–2 business days after approval.
No collateral required.
This is an unsecured advance, so you don’t need to pledge business assets or valuable equipment to qualify for funding.
Accessible despite credit challenges.
Payments scale with your sales.
A percentage-based repayment structure adjusts naturally with your revenue, helping payments align more closely with your business’s cash flow.
Built for
inflection moments.
Owners with stronger personal credit typically qualify for better pricing, so even within the MCA structure, your credit profile still matters for the terms you receive. For businesses with more time and a stronger credit profile, our short term loan options may offer a lower-cost alternative with a similarly fast timeline.
Who Qualifies?
- 1 year in business preferred (flexible depending on revenue)
- Consistent sales/revenue daily or monthly processing history
- Tax liens and prior bankruptcies generally acceptable
- Better personal credit qualifies for improved pricing
This is one of the most accessible financing products available, designed specifically for businesses that may not fit traditional lending boxes but still generate consistent revenue.
THE PROCESS
How It Works
Step 1
Apply
Complete a streamlined application by providing your business details, sales performance, and payment processing history for a detailed review.
Step 2
Review
Your advisor evaluates your revenue trends, processing history, and overall eligibility to determine your advance amount and your repayment structure.
Step 3
Approval
Receive a funding decision, typically within 24 hours, once your application and business information have been fully reviewed and approved by the team.
Step 4
Funded
Funds are deposited into your account within 1–2 business days, and repayment begins automatically as a percentage of your sales.
Why Simply Capital Source for Your Merchant Cash Advance?
MCA structures vary enormously between providers; payment frequency, factor rates, and total cost can differ significantly for the same advance amount. Without guidance, it’s easy to agree to a structure that costs you far more than necessary.
Your dedicated advisor breaks down exactly what your specific MCA will cost in real numbers, not just percentages, before you commit to anything.
We’ve helped business owners navigate complex credit histories, tax liens, and urgent timing needs that other lenders walked away from. If your business generates consistent revenue, we can very likely find you a path to funding.
When Timing Is Everything, This Is Your Fastest Path to Funding.
Don’t let a slow process cost you an opportunity that can’t wait.
Frequently Asked Questions (FAQs)
Not technically. It’s structured as a purchase of future receivables rather than a traditional loan, which is why underwriting and repayment work differently.
In most cases, no. This is one of the key differences between a merchant cash advance and traditional business loans like a business term loan.
Yes, generally. Tax liens and prior bankruptcies are typically acceptable for MCA approval, making this one of the more accessible options available.
Approvals typically happen within 24 hours, with funds arriving in your account within 1–2 business days.
Repayment is structured as a percentage of your sales, either a fixed regular payment or a small split based on daily processing deposits.
Not usually. MCAs prioritize speed and accessibility over minimizing cost. If you have more time and a stronger credit profile, a short term loan or business term loan may offer better overall economics.