Get Funded in 24 Hours with a Merchant Cash Advance
Experience the ease of flexible, sales-based repayment plans, ideal for businesses with fluctuating revenue streams. Secure your funding swiftly and efficiently.
Unlock Fast Business Funding
Why Choose a Merchant Cash Advance?
A Merchant Cash Advance from Advance American Funding offers a quick and accessible solution for businesses needing immediate capital. By leveraging future sales, you can receive a lump sum without the constraints of traditional loans. This option is particularly beneficial for businesses with strong daily sales but limited collateral or less-than-perfect credit scores, providing the flexibility to manage cash flow effectively.
With a focus on your business’s revenue and sales history, our Merchant Cash Advance allows for repayments that adjust according to your sales volume. This means no fixed monthly payments, giving you the freedom to focus on growing your business without the stress of rigid repayment schedules. Enjoy minimal paperwork and fast processing, ensuring you get the funds you need when you need them.
Key Advantages of Our Merchant Cash Advance
Benefits That Propel Your Business Forward
Rapid Funding Access
Receive funding amounts ranging from $10,000 to $500,000+ with approvals in as little as 24 hours, ensuring your business can seize opportunities without delay.
Flexible Repayment Options
Repayment is directly tied to your sales volume, eliminating the burden of fixed monthly payments and allowing your business to thrive even during fluctuating revenue periods.
Three Easy Steps to Funding
How to Apply for a Merchant Cash Advance
1
Step 1: Apply Online
Complete our simple online application with basic business details in just a few minutes.
2
Step 2: Quick Approval
Receive a decision typically within 24 hours, based on your business’s sales performance.
3
Step 3: Receive Your Funds
Once approved, funds are deposited directly into your business account, with repayments automatically deducted from future sales.
Eligible Business Types & Requirements
Restaurants
Retail Stores
Salons & Spas
Auto Repair Shops
Seasonal Businesses
E-commerce
Bars & Nightclubs
Medical Practices
Dental Practices
Time in Business: 3+ months
Monthly Revenue: $7,500+
Sales Type: Credit/Debit Card Sales Preferred
Flexible Programs for Newer Businesses
Credit: All Profiles Considered
Focus on Revenue and Sales History
Minimal Documentation Required
Fast Processing and Approvals
Repayment Tied to Sales Volume
Merchant Cash Advance vs. Other Funding Options
Explore the unique benefits of Merchant Cash Advances compared to traditional funding options.
Merchant Cash Advance
Repayment Flexibility
Approval Speed
Credit Requirements
Use of Funds
Cost Considerations
Traditional Business Loan
Fixed Monthly Payments
Longer Approval Process
Strict Credit Criteria
Restricted Use Cases
Potentially Lower Interest Rates
Common Questions About Merchant Cash Advances
Explore answers to frequently asked questions about Merchant Cash Advances to understand how they can benefit your business.
What is a Merchant Cash Advance?
A Merchant Cash Advance provides immediate capital in exchange for a portion of your future sales, offering a flexible repayment method based on your business’s revenue.
How quickly can I receive funding?
Many businesses receive MCA approval within 24 hours and funding within 24–48 hours of application. This speed makes a merchant cash advance ideal for urgent business expenses or time-sensitive opportunities.
Do I need a high credit score to qualify?
No—MCA approval is based primarily on your sales performance and business revenue, not just your credit score. We work with a wide range of credit profiles, including those with less-than-perfect credit.
How does the repayment process work?
Repayment is simple and automatic. A small, agreed-upon percentage of your daily credit and debit card sales is withheld by your payment processor until the total advance is paid off. The amount you repay each day adjusts with your sales volume, helping you manage cash flow.
What can I use MCA funds for?
You can use MCA funds for virtually any legitimate business purpose—including purchasing inventory, launching marketing campaigns, covering payroll, repairing equipment, paying vendors, or stabilizing cash flow during slow seasons.
How much can I get approved for with a Merchant Cash Advance?
Approval amounts typically range from 50% to 150% of your average monthly sales volume. For example, if your business averages $50,000 in monthly sales, you might qualify for $25,000–$75,000 in funding.
Ready to Boost Your Business?
Unlock the potential of your business with a Merchant Cash Advance from Advance American Funding. Apply now to receive fast, flexible funding tailored to your sales. Don’t wait—empower your business today!
