What is Merchant Cash Advance?

Merchant Cash Advance (MCA) gives you access to working capital based on your future sales. It’s not a traditional loan — there’s no long approval process or rigid monthly payment. Instead, you receive a lump sum of funding upfront and repay it gradually through small, manageable daily or weekly transfers.

Fast, Flexible Funding — Without the Wait

Traditional loans can be ideal for long-term projects — but they often take weeks to process and require extensive credit checks or collateral. An MCA, by contrast, is designed for speed and adaptability. It’s best suited for businesses that need funds quickly or want repayment that aligns with their cash flow, not against it. Whether it’s staying steady or scaling up, an MCA provides the momentum you need.

How Many Businesses Use Cash Advances

Expenses

Cover payroll or operating expenses.

Cash Flow Bridges

Bridge seasonal or cash flow gaps.

Large Purchases

Purchase inventory or raw materials.

Upgrades

Upgrade or repair equipment.

Grow

Invest in marketing or new locations.

Recruitment Clients Testimonials

Why Choose MCA For Your Business

  • Speed — Funding in as little as 24 hours.

  • Simplicity — A straightforward application with minimal paperwork.

  • Flexibility — Repayment that rises and falls with your sales.

  • Accessibility — Designed for growing businesses that may not fit traditional lending molds.

How MCA Works At Merchant First

1: You Complete a Quick Application
2: We Review & Communicate Every Step of the Way 
3: We Provide Options & You Select What Works Best for Your Business

Get Funded, and Get on with Business

Is A Cash Advance Right for Your Business?

If your business has been operating for at least six months and generates consistent sales, you may qualify. Our advisors will help you evaluate your options and make sure an MCA is the right fit — because the goal isn’t just to fund you, but to help you grow sustainably.

At MerchantFIRST, we make Merchant Cash Advances simple, transparent, and supportive. Because when your business has access to capital that moves as fast as you do, you’re free to focus on what really matters — keeping your business going and growing.

Find the right option for your business — Get Started to learn more