Fast, flexible working capital based on your daily sales.
A merchant cash advance (MCA) is a powerful option for small businesses that need fast funding and generate steady credit card sales. Instead of a traditional loan, you receive a lump sum of capital upfront and repay it through a small percentage of your daily credit card transactions.
Whether you’re managing cash flow, restocking inventory, or covering urgent expenses, a merchant cash advance offers fast access to the capital you need — without requiring perfect credit or collateral.
A merchant cash advance is not a loan — it’s a purchase of your future receivables.
You receive a lump sum of funding upfront
A percentage (called a holdback) is taken from your daily credit card sales
Repayment adjusts with your cash flow — higher sales = faster payoff
No fixed monthly payment or long approval process
Holdback Amount:
A fixed percentage (usually 10–20%) of daily credit card sales that goes toward repayment.
Factor Rate:
Instead of an interest rate, MCAs use a factor (e.g., 1.2–1.5) to determine your total repayment amount. This is not amortized and can translate to an APR of 60%–200% depending on repayment speed.
Payment Frequency:
Daily or weekly deductions, based on the sales volume and agreed terms.
Merchant cash advances are especially popular in industries with high daily transaction volume, including:
Capitalize Loans looks beyond just your credit score. Here’s what you need to qualify:
Qualify in an instant with no impact on your credit score
A minimum of $10,000 in gross deposits must show in your last three business bank statements
Business has been fully operational for at least 6 months
Our 4-step application process is fast, easy, and built around your needs:
Apply now and get matched with the right working capital solution for your business.
