Fast Business Funding Based on Your Future Sales
A merchant cash advance provides upfront capital in exchange for a percentage of your future credit card sales. No fixed payments, no collateral — repayment adjusts with your revenue.
BusinessLoan.Directory is a Strategic Funding Partner of ROK Financial.
What Is a Merchant Cash Advance?
A merchant cash advance (MCA) is not technically a loan. Instead, a funding company purchases a portion of your future sales at a discount. You receive a lump sum upfront, and repayment happens automatically as a small percentage of your daily credit card or debit card transactions.
Who Benefits from an MCA?
- Restaurants & retail — Businesses with high daily card transaction volume
- Seasonal businesses — Repayment slows during slow months
- Low credit score borrowers — MCAs focus on revenue, not credit scores
- Businesses needing fast capital — Funding in as little as 24 hours
- Bank-declined businesses — Alternative to traditional lending
Key Advantages
- No fixed monthly payments — Repayment flexes with your sales volume
- Fast approval — Minimal paperwork, funding within 24–48 hours
- No collateral needed — Based on future receivables
- High approval rates — Credit score as low as 500 accepted
- Use funds for anything — No restrictions on how you use the capital