Flexible Structure

Merchant CashAdvance

Revenue-based financing for businesses that want repayment tied more closely to sales activity instead of fixed monthly payments.

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Secure application flow

Merchant cash advance and line of credit options

Document-based review process

English and Spanish support

What It Is

Overview

A merchant cash advance provides capital in exchange for future business receivables. Instead of using a fixed monthly installment structure, repayment is tied to business performance. Based on the approved source material, this product is commonly structured for 6 to 24 months and is often sized in relation to monthly revenue.

How repayment works: Merchant cash advance repayment is typically structured using a factor rate and a revenue-based collection method. The approved source material positions this product as open-term and pro-rated, which makes it different from a standard fixed-payment loan.

Best For

Is This Right for You?

Businesses with active and consistent sales activity

Owners who prefer repayment tied more closely to revenue flow

Companies facing seasonal swings or variable monthly performance

Businesses pursuing a time-sensitive opportunity

Operators who need a shorter-term working-capital structure

Companies prepared to provide business documents for review

Benefits

What You Get

Faster Funding After Approval

For this product, funding can move quickly once the file is approved. Timing still depends on documentation, review, and offer acceptance.

Revenue-Based Structure

This product is built around business revenue rather than a fixed monthly installment schedule.

Built for Variable Performance

The structure can be useful for businesses whose revenue changes from one period to the next.

Can Work Alongside an Existing MCA

The approved source material indicates that having an existing merchant cash advance does not automatically rule this structure out.

Offer Review Before Commitment

Submitting for review and receiving an offer can be done without upfront cost based on the approved source material.

Sized Around Revenue

The approved source material frames MCA sizing in relation to monthly business revenue rather than a universal fixed cap.

Typical Use Cases

How Businesses Use This

01Bridging a working-capital gap during a slower period

02Buying inventory ahead of a strong sales cycle

03Moving quickly on a business opportunity that cannot wait weeks

04Supporting operating needs while revenue continues to come in

05Using a shorter-term structure when repayment needs to track business activity more closely

FAQ

Common Questions

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