MERCHANT CASH ADVANCE

Revenue-Based Funding That Flexes With Your Business

Fast capital based on future revenue — repayments adjust automatically with your daily sales volume. No fixed monthly payments, no rigid schedules.

WHAT IS MCA

Cash Now, Repaid From Your Sales

A merchant cash advance is a purchase of your future receivables, not a traditional loan. Alliance arranges an upfront lump sum in exchange for a fixed percentage of your daily or weekly sales until the advance is repaid. Because repayment is tied to revenue, payments naturally flex with your business — heavier on strong days, lighter on slow ones.

MCAs are designed for businesses with consistent transaction volume — retailers, restaurants, e-commerce sellers, and service businesses — that need capital faster than a bank can move and prefer revenue-based repayment over a fixed monthly schedule. Approvals are based on cash flow, not just credit score.

Common Use Cases

Retail and Restaurant Businesses

Ideal for venues with consistent daily sales volume and credit card transactions.

E-commerce Companies with Consistent Sales

Perfect for online retailers with predictable transaction volumes and clear revenue streams.

Businesses Needing Fast Capital

When you need funding in days, not weeks — MCAs deliver speed without traditional bank delays.

Companies Declined by Traditional Banks

If banks rejected you due to credit, short history, or revenue volatility — MCAs have more flexible criteria.

Seasonal Businesses Wanting Flexible Repayment

Repayments scale with your revenue — slow months mean lower payments, peak months mean higher payments.

Quick Inventory Purchases for Peak Season

Stock up fast with capital you pay back from the increased revenue those goods generate.

Why MCA from Alliance

Approved in 24-48 Hours

Minimal paperwork, fast decisions. We move quickly because your business can't wait.

Repayments Adjust With Revenue

Slow month = smaller payment. Peak month = higher payment. Flexibility built in.

No Fixed Assets Required

No personal guarantees on real estate or equipment. Approved based on your revenue, not collateral.

High Approval Rates

If you generate consistent revenue, you likely qualify. Our 70+ lender network finds the right fit.

HOW IT WORKS

How MCA Works in Three Steps

Share Your Statements

Provide 3-6 months of bank and/or merchant statements. We use this to assess your revenue and match you properly.

We Match & Approve

We connect you with the best MCA provider from our 70+ lender network. Decisions come back in 24-48 hours.

Fund & Start Repaying

Funds arrive in as little as 48 hours. Repayment begins as a percentage of daily sales.