Merchant Cash Advance
Quick funding based on your future credit card sales with flexible repayment that moves with your business.
Apply for an MCAMerchant Cash Advance Overview
Advance Amount
$5,000 - $500,000
Factor Rate
1.1 - 1.5 (based on business profile)
Repayment Method
Percentage of daily credit card sales
Time to Fund
As fast as 24-48 hours
A Merchant Cash Advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future credit card sales. Unlike a traditional loan with fixed payments, an MCA adjusts with your cash flow — you pay more when sales are high and less when sales are lower.
This makes it an ideal solution for businesses with high credit card transaction volumes that need quick funding without the constraints of fixed monthly payments.
Benefits of a Merchant Cash Advance
Fast Funding
Get funded in as little as 24-48 hours, much faster than traditional bank loans.
Flexible Repayment
Payments adjust with your sales volume - pay less when business is slow, more when it's busy.
Simple Qualification
Less stringent requirements than traditional loans, with approval based primarily on credit card sales.
No Fixed Payments
Unlike loans with fixed monthly payments, MCAs take a percentage of daily sales, making them more manageable.
Is a Merchant Cash Advance Right for Your Business?
A merchant cash advance is particularly well-suited for businesses that:
- Retail businesses with consistent credit card sales
- Restaurants, bars, and hospitality businesses
- Businesses needing quick capital for inventory, equipment, or expansion
- Seasonal businesses with fluctuating cash flow
- Companies that may not qualify for traditional bank loans
Note: While MCAs offer rapid funding and flexible repayment, they typically have higher costs than traditional loans. Our funding advisors can help you determine if an MCA is the right solution for your specific needs.
How a Merchant Cash Advance Works
Apply
Complete our simple application with basic business information and recent processing statements.
Get Approved
Receive a funding decision within 24-48 hours based on your business's credit card sales volume.
Get Funded
Funds are deposited directly into your business bank account, often within 1-2 business days.
Ready to fuel your business growth?
Get started with Nexli Funding today and secure the funding you need to take your business to the next level.