Merchant Cash Advance
Fast Access to Capital—Repaid Through Future Sales
A Merchant Cash Advance (MCA) provides a lump sum of working capital in exchange for a percentage of future sales. Ideal for businesses with steady credit card or daily revenue, it’s a flexible option when traditional loans aren’t a fit.
Key Features
Advance amounts from $5,000 to $1 million
Terms from 3 to 24 months
Factor rates starting at 1–6% monthly
Daily, weekly, or bi-weekly repayment via sales percentage
Fast approvals in 1–2 business days
Requires 475+ credit score and 6+ months in business
No fixed payment—repayments adjust with revenue
How It Works
You receive a lump sum upfront. A fixed percentage (holdback rate) of your daily sales is automatically deducted until the full amount is repaid. Slower sales means lower payments.
Arizona Business Owners
Angela operates a high-volume smoothie café in Scottsdale, Arizona. After a surprise A/C failure during peak summer, she used an MCA to replace the unit quickly. The flexible repayment, based on her daily sales, kept her cash flow steady while meeting urgent needs.
Get Started Today
Need quick capital without rigid repayment terms? A merchant cash advance can support your Arizona business when timing matters most.