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Merchant Cash Advance for Small Businesses
Fast Capital with Flexible Repayment Aligned to Your Revenue
Running a small business means juggling opportunities and obligations—often with little warning. Whether it's a surprise equipment failure, a sudden influx of orders, or a chance to invest in expansion, waiting weeks for a bank loan can cost you real growth. A Merchant Cash Advance (MCA) offers a fast, flexible solution that adjusts to your cash flow and doesn't require perfect credit or collateral.
At Business First Funding, we understand that traditional funding doesn't fit every business model. That's why our merchant cash advance for small businesses delivers quick access to working capital, with repayment tied directly to your daily card sales—making it one of the most adaptive funding tools available.
Merchant Cash Advance for Small Businesses
Fast Capital with Flexible Repayment Aligned to Your Revenue
Running a small business means juggling opportunities and obligations—often with little warning. Whether it's a surprise equipment failure, a sudden influx of orders, or a chance to invest in expansion, waiting weeks for a bank loan can cost you real growth. A Merchant Cash Advance (MCA) offers a fast, flexible solution that adjusts to your cash flow and doesn't require perfect credit or collateral.
At Business First Funding, we understand that traditional funding doesn't fit every business model. That's why our merchant cash advance for small businesses delivers quick access to working capital, with repayment tied directly to your daily card sales—making it one of the most adaptive funding tools available.
What Is a Merchant Cash Advance?
An MCA isn’t a loan. It’s an advance on your future credit and debit card sales. You receive a lump sum of cash up front in exchange for agreeing to remit a fixed percentage of your daily card sales until the full advance (plus a set fee) is repaid. That means you repay more when you sell more, and less when things slow down—making it ideal for businesses with seasonal or fluctuating revenue.
Common use cases include:
Covering payroll during slow weeks
Launching local or digital marketing campaigns
Renovating space before peak season
Replacing or repairing critical equipment
Purchasing inventory ahead of seasonal demand
Who Should Consider an MCA?
Merchant cash advances are popular with:
Retail stores with daily sales volume
Restaurants and food service businesses with high card usage
Salons, spas, and service providers with consistent customer flow
E-commerce stores with strong online sales
This type of funding is especially useful for businesses that:
Cannot qualify for traditional bank loans
Need funds faster than banks can provide
Prefer a repayment structure that adjusts with revenue
How the Process Works
We make the MCA process simple, fast, and transparent:
1
Apply in Minutes
Fill out a short online application and submit 3 months of credit card processing statements or business bank statements.
2
Get Approved Quickly
We review your business health—not just your credit score. Most approvals happen within 24 hours.
3
Receive Your Funds
Get funded in as little as 1–2 business days. Use the capital for any business purpose.
4
Automatic Repayment
We automatically deduct a small percentage of your card sales each day or week until the advance is fully repaid.
Key Features and Benefits
| Feature | Benefit |
|---|---|
| Fast Funding | Get approved and funded within 1–2 business days. |
| Flexible Repayment | Pay more during busy periods and less when sales slow. |
| No Collateral Required | MCAs are unsecured, based on future sales. |
| Credit-Friendly | Lower credit score? We prioritize business performance. |
| Use for Any Purpose | Inventory, marketing, payroll—your call. |
| No Fixed Monthly Payment | Reduce the pressure of static loan obligations. |
Example Scenario
A restaurant owner needs $30,000 to expand outdoor seating before spring. A traditional loan could take weeks, and the bank might reject the application due to prior tax liens. With a merchant cash advance, the owner receives funds in 48 hours and begins repayment through daily card sales. On slow days, the deduction is minimal; during weekend rushes, it increases—without straining cash flow.
How Much Can You Get?
Advance amounts typically range from $5,000 to $500,000, depending on:
Monthly credit card sales
Business revenue trends
Time in business
We don’t require collateral or extensive documentation. And because repayment is performance-based, businesses of all sizes and industries may qualify.
Cost and Factor Rates
Instead of interest, MCAs use a factor rate—typically between 1.1 and 1.4. For example, if you're approved for a $20,000 advance at a 1.2 factor rate, you repay $24,000 over time. There are no hidden fees, and many clients enjoy early payment discounts.
We make all terms crystal-clear before you commit, so you’ll never be surprised by what you owe.
Frequently Asked Questions
Can I qualify with poor credit?
Yes. We focus more on your revenue than your credit score.
Do I need to accept credit cards?
While it's ideal, we also fund businesses with strong bank deposit histories.
Are there prepayment penalties?
No. You can pay off early without fees, and some funders offer early payoff discounts.
What if sales slow down?
Repayment is a percentage of sales—so it slows down too. That’s what makes it manageable.
Can I use the funds for anything?
Yes. Use it for inventory, staffing, marketing, renovations—whatever your business needs.
Is a Merchant Cash Advance Right for You?
If you're looking for fast access to capital, want repayment terms that align with your revenue, and prefer a credit-friendly alternative to traditional loans, an MCA might be the ideal solution.
At Business First Funding, we believe in making capital accessible, understandable, and aligned with the way you actually do business.
Apply today—and get the flexibility and funding you need, on your terms.
We’re here to make accessing capital for your company as easy as possible.
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