Merchant Cash Advances
Get $5,000–$2,000,000 advanced against your future receivables. Pre-approval in 2–4 hours. Funding in as fast as 24 hours. No collateral, no lengthy paperwork.
Check Your Eligibility — Free →What Is a Merchant Cash Advance?
A merchant cash advance (MCA) is a purchase of your future business receivables — not a traditional loan. Our lending partners advance you a lump sum today in exchange for a fixed percentage of your daily or weekly deposits until the agreed repayment amount is satisfied.
Because repayment is tied to your revenue, MCAs flex with your business. Strong week? You repay faster. Slower week? Daily remittance adjusts automatically on percentage-based structures. The advance is complete when the repayment total is reached — no lingering balance.
For business owners who need capital fast — inventory, equipment, a contract that cannot wait, or an unexpected expense — a merchant cash advance is often the fastest path from application to funded.
How Merchant Cash Advances Work
Factor Rate, Not Interest
MCAs use a factor rate — typically 1.10–1.45 — instead of an interest rate. Multiply your advance by the factor rate to get total repayment. A $100,000 advance at 1.30 = $130,000 total repayment.
Daily or Weekly Remittance
Repayment occurs via automated ACH debit — a fixed daily amount or a percentage of daily deposits. Percentage-based structures automatically slow when revenue dips.
Advance Amounts
Most MCA lenders advance 75%–150% of average monthly revenue. A business averaging $80,000/month typically qualifies for $60,000–$120,000 per advance.
Speed to Funding
MCAs are among the fastest business funding products available. Funds typically deposited within 24–48 hours after approval. Same-day funding available in select scenarios.
Who Merchant Cash Advances Are Best For
- Businesses with strong, consistent revenue — restaurants, retail, e-commerce, service businesses, medical practices, and any business with regular daily deposits
- Time-sensitive opportunities — bulk inventory, a new location build-out, or a contract that needs upfront capital immediately
- Businesses that do not qualify for traditional loans — less-than-perfect credit, limited collateral, or under 2 years operating history
- Seasonal cash flow gaps — capitalize inventory before peak season or bridge a slow quarter without touching long-term financing
- Businesses needing repeat access to capital — many clients renew or access a second advance once 50%+ of the first is repaid
MCAs are a strategic business capital tool — not a last resort. High-revenue businesses use them for speed and flexibility when traditional financing timelines do not match business needs.
Qualification Requirements
MCA approval is based primarily on your business revenue history — not your personal credit score. Most of our lending partners approve businesses that banks routinely decline.
Lenders primarily evaluate 3–6 months of bank statements and average daily balances. UCC filings, open tax liens, and recent bankruptcies affect approval but do not automatically disqualify your business.
MCA vs. Other Funding Products
| Feature | Merchant Cash Advance | Business Line of Credit | Term Loan |
|---|---|---|---|
| Funding Speed | 24–48 hours | 24–72 hours | 3–10 days |
| Credit Required | 500+ | 600+ | 620+ |
| Collateral | None required | None (unsecured options) | Sometimes required |
| Repayment | Daily/weekly % of revenue | Monthly draw repayment | Fixed monthly payment |
| Best For | Speed, no-collateral, revenue-based | Ongoing working capital needs | Large one-time investment |
How to Apply
Submit Your Application
Complete our 2-minute online application. We need basic business info and 3–4 months of bank statements to get started.
Receive Pre-Approval
Your dedicated Martimus advisor reviews your profile and presents offers within 2–4 hours, including advance amount, factor rate, and daily remittance details.
Review and Accept
Your advisor walks you through every term before you sign. No surprises, no hidden fees. You decide what works for your business.
Funds Deposited
Once signed, funds are typically deposited within 24 hours. Daily remittance begins 1 business day after funding.
Frequently Asked Questions
Get Pre-Approved in 2–4 Hours
No obligation. No hard credit pull. See your options and decide at your own pace.
Apply Now — Free →Martimus Financial is a commercial finance broker. We connect businesses with our network of 50+ lending partners. Rates, terms, and eligibility vary by lender and business profile. Merchant cash advances are purchases of future receivables, not loans. Consult a financial advisor before proceeding.