Business funding
Merchant Cash Advance
Fast capital against future sales, for businesses that need speed more than the lowest cost.
General qualification guideline; lender and program requirements may vary.
Best forBusinesses with steady sales that need capital in days and can plan to graduate to lower-cost funding.
Overview
Capital sized to your sales, not your paperwork
A merchant cash advance is not a loan. A funder purchases a portion of your future receivables at a discount and is repaid through a fixed daily or weekly remittance until the agreed amount is collected. Decisions are driven by deposit and card volume rather than by tax returns or a long credit history, which is why an MCA can fund in days when other products cannot.
Benefits
- —Underwritten on bank deposits and card volume rather than tax returns
- —Among the fastest options to fund
- —Works for thinner credit profiles when revenue is consistent
- —Remittance rises and falls with sales on some programs
- —A short-term tool; best paired with a plan to graduate to lower-cost capital
Good for
Situations where it tends to fit
Terms, factor rates, and remittance structures depend on the funder and program.
Documentation
What you will typically need
Documentation is light and centers on revenue:
- —Most recent 3 to 6 months of business bank statements
- —Card processing statements, if the business accepts cards
- —Government-issued ID
- —Voided business check for disbursement
Qualification factors
What generally matters
- —Average monthly deposits and consistency
- —Card processing volume where applicable
- —Time in business
- —Existing advances or stacked positions
- —Personal credit profile (reviewed, but not the driver)
- —Funder / program guidelines
Common questions
Merchant cash advances, answered plainly
Is an MCA a loan?
No. It is a purchase of future receivables. That is why it is measured with a factor rate rather than an interest rate and repaid through a remittance rather than a monthly payment. We will show you the true total cost before you sign anything.
Why would I choose this over a line of credit?
Speed and access. If the need is immediate, or the file is not yet ready for a document-based product, an MCA can bridge the gap. If a line of credit or term loan is realistic on your timeline, we will tell you, because it will usually cost less.
What is the biggest mistake with MCAs?
Stacking several advances at once. Each one reduces the cash available for the next, and it can make the business ineligible for better products later. Part of our job is to keep a client from that position.
Need capital this week?
A short conversation tells you whether an advance is the right tool, and what it would really cost.
The guidelines on this page are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. TK Capital Solutions is not a lender; all funding is subject to lender underwriting and approval.