Merchant cash advance

Merchant Cash Advance

Get quick access to capital using the collateral of the future.

Let's get started.

Loan Amount Icon

Loan Amount


Loan Term Icon

Loan Term

Up to 2 Years

Loan Time Icon

Time to Funds

As Soon as 24 Hours

Loan Interest Icon

Interest Rate

As Low as 18%

What if capital could time travel?

Okay, so it can’t, but a merchant cash advance is as close as you can get. A merchant cash advance allows you to borrow against future earnings to access that capital today. Merchant cash advances are funded much more quickly than other forms of financing, making it a lifesaver for businesses in need of fast access to financing.

See your options

Business owner handling their business's cash flow

Explore small business loan options from these leading lenders

Find your lender

How a Merchant Cash Advance Works

A merchant cash advance allows a business to borrow against its future earnings. Unlike other business loans, collateral is not typically required to start a merchant cash advance, which means you can receive funds in as little as 24 hours.

Can a startup get a merchant cash advance?

A merchant cash advance is an option for startup businesses that may not yet qualify for other types of business financing. Because a merchant cash advance is repaid based on your business’s daily sales, time in business and other factors that usually make financing difficult for startups don’t apply. If your startup has strong daily sales, a merchant cash advance could be an excellent solution for your fast-capital needs.

If you have time to plan for your financing needs, startup loans and business credit cards can offer accessible financing for startups and may be able to round out your financing plans.

How is a merchant cash advance repaid?

Your cash advance is repaid based on your business’s daily sales. Depending on the way your cash advance is financed, your lender will either take a daily percentage of credit card sales or a percentage of the total daily business sales. Terms vary by lender, and we have 75+ lenders in our network. Your funding manager can walk you through all the terms and explain the nitty-gritty of your cash advance to ensure you’re getting the best possible financing deal.


Qualifying for a Merchant Cash Advance

Qualifying for a cash advance, like the funding itself, is often fast and easy. Due to the nature and terms of the loan, the requirements for a business cash advance are typically pretty lenient.

What you’ll need to do to qualify for a merchant cash advance:

What you can typically skip when applying for a merchant cash advance:

  • A mountain of paperwork
  • A credit pull
  • Your business’s precious collateral

How to Get the Best Rate

Securing an affordable factor rate will reduce the cost of capital on your merchant cash advance. The first step toward securing the optimum cost of capital on your merchant cash advance is to determine how much capital you need.

Borrowing too much can increase the cost of repayment and borrowing too little can leave you in the financial pickle you’re trying to get out of. To avoid both of those scenarios, our dedicated funding managers will walk you through your options and compare your offers to help you choose a business cash advance deal that fits your needs and budget.


I was happy with the speed and result – Lendio was the first to respond and get me funded! They also went above and beyond to find the right fit and offered a better product than the usual merchant cash advance.


Quickly Compare Loan Offers from Multiple Lenders

Compare Offers
from 75+ Lenders

Applying is free and won’t impact your credit
Talk to a rep at (855) 853-6346

Mon–Fri | 7:30am–5pm MST