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MERCHANT CASH ADVANCE

merchant cash advance — Funding in 24–72 Hours

Get $10,000 to $500,000 against your future sales. No fixed payments. No collateral. Repayment automatically adjusts with your cash flow.

Apply in Minutes Talk to an Advisor
24 hrs
Typical funding speed
$500K+
Maximum advance
70+
Lenders competing for your deal
500+
Minimum credit score

What Is a Merchant Cash Advance?

A merchant cash advance (MCA) is a lump-sum advance against your future business revenue. You receive cash today and repay it through a fixed percentage of your daily sales — automatically, with no fixed payment dates and no missed payment risk.

Unlike a traditional loan, there is no amortization schedule. On a strong sales day you repay more. On a slow day, you repay less. The advance is fully repaid when your total sales reach the agreed amount.

MCAs are not a loan — they are the purchase of future receivables. This structure makes them faster to approve, easier to qualify for, and more flexible in repayment than any bank product.

How the numbers work

Advance amount $100,000
Factor rate 1.30×
Total repayment $130,000
Daily holdback 12% of daily sales
Average repayment term 6–10 months

Who Qualifies for a Merchant Cash Advance ?

MCAs are one of the most accessible forms of business financing. General eligibility:

✓
3–6+ months in business
Shorter history accepted than traditional loans
✓
$10,000+/month in revenue
Based on bank deposits or card processing volume
✓
Credit score 500+
Revenue matters more than credit history
✓
No collateral required
Unsecured advance against future sales
✓
businesses
Corporation, partnership, or sole proprietorship
✓
Any industry
Retail, restaurants, hospitality, e-commerce, services, and more

Previously declined by your bank? Most businesses that receive MCAs through Alliance have been turned down by traditional lenders. Our 70+ lender network includes alternative lenders who specialize in exactly this situation.

Four Steps to Your Merchant Cash Advance

From application to funded — typically 24–72 hours.

1

Apply Online

Complete Alliance’s short application — takes under 5 minutes. Upload 3 months of bank statements.

2

Get Matched

Alliance submits your file to the best-fit MCA lenders from our 70+ network. You receive competing offers.

3

Review & Sign

Choose the offer that works for you. Review the factor rate, holdback %, and total repayment. Sign electronically.

4

Funded

Funds deposited directly to your business bank account — often same day. Repayment begins automatically the next business day.

Why Alliance for Your Merchant Cash Advance?

We don’t work for one lender. We work for you.

⚡

Decisions in 24 Hours

No 6-week bank review. Applications reviewed same day, decisions delivered in hours.

⚖

70+ Lenders Competing

One application, multiple offers. Alliance shops the market so you get the best factor rate available for your profile.

📈

Flexible Repayment

Payments flex with your revenue. Slow month? You automatically pay less. No missed payments, no penalties.

🔒

No Collateral

Unsecured advance — no property or equipment at risk. Just your future sales as security.

Merchant Cash Advance — Frequently Asked Questions

Everything you need to know about MCA financing.

What is a merchant cash advance? +
A merchant cash advance is a lump-sum advance against your future business revenue. You repay through a small, fixed percentage (called a holdback) of your daily sales — automatically, with no fixed payment dates. Payments adjust with your cash flow.
How much can I get? +
Businesses can typically access $10,000 to $500,000 through an MCA. Most lenders advance 50–150% of your average monthly revenue. A business averaging $80,000/month might qualify for a $40,000–$120,000 advance.
What is a factor rate? +
A factor rate is the multiplier applied to your advance to calculate total repayment. A $100,000 advance at a 1.35 factor rate means you repay $135,000 total. Factor rates typically range from 1.15 to 1.45 depending on business profile and risk.
Do I need good credit to qualify? +
No. MCA lenders focus on business revenue and cash flow, not personal credit. Approvals are possible with scores as low as 500. MCAs are often used by businesses declined by banks.
Is collateral required? +
No. MCAs are unsecured — no property or equipment is pledged. The advance is secured against future receivables (your future sales). Most MCAs do require a personal guarantee from the business owner.
What documents do I need to apply? +
Typically: 3–6 months of business bank statements, a completed credit application, and government-issued ID for all owners. Some lenders approve on bank statements alone — no tax returns or financial statements required.
How is an MCA different from a business loan? +
A business loan has a fixed interest rate, fixed repayment schedule, and fixed term. An MCA has no fixed term — it’s repaid through daily sales until the total is met. MCAs are faster, require no collateral, and flex with revenue. The trade-off is a higher effective cost.
Which industries can get a merchant cash advance? +
Any businesses with consistent revenue qualifies. MCAs are especially common in retail, restaurants, hospitality, e-commerce, healthcare clinics, auto repair, salons, and professional services. There are no industry exclusions through Alliance.

Ready to Get Your Merchant Cash Advance?

Apply in minutes. Get a decision in 24 hours. Funding in your account within 72 hours.

Apply Now — No Obligation See All Working Capital Options

Alliance Financing Group Ltd. is a commercial finance brokerage, not a direct lender. Rates and terms are set by the funding lender and may vary.