Get the money you need, FAST.
Let’s face it—running a business isn’t always smooth sailing. Unexpected expenses pop up, golden opportunities arise, and slow seasons creep in when you least expect them. That’s why having access to quick business funding is vital. Enter the merchant cash advance also known as a business cash advance or MCA is your fast and flexible solution when traditional business loans aren’t cutting it.
Think of a business cash advance like a helping hand that doesn’t come with strings attached. You get a lump sum upfront, and instead of fretting over fixed monthly payments, you repay through a small percentage of your daily sales. When sales are high, you pay more; when things slow down, you pay less. Easy, right?
How a Merchant Cash Advance Works
We know your time is valuable, so we’ve made getting a merchant cash advance quick and easy. Here’s how it works:
Apply Online:
Fill out a short application form with basic business information.
Get a Customized Offer
We’ll review your application and send you a tailored funding proposal based on your unique business needs.
Receive Your Funds Fast
Once you approve the offer, we’ll deposit the funds into your account within 24 to 48 hours.
Repay with Ease
A small, agreed-upon percentage of your daily sales will go toward repayment—no fixed due dates, no stress.
Why Choose a Merchant Cash Advance?
Running a business can be unpredictable, and sometimes you need extra cash to keep things moving smoothly. Let’s explore why this option might be a game-changer for your business.
Fast Access to Funds
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Unlike traditional loans that can take weeks or months to process, merchant cash advances offer quick business funding—ideal for time-sensitive opportunities or urgent expenses.
Easy to Qualify
Its easy to get approved for a merchant cash advance. instead of zeroing in on your credit score, we focus is on your daily sales or business revenue.
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Flexible Payments
Repayments of our merchant advance are automatically deducted as a daily, weekly or bi-weekly ACH.
No Collateral Needed
Merchant cash advances are unsecured, meaning no collateral is required. You can secure funding without putting your assets at risk.
When it comes to quick business funding, a merchant cash advance checks all the right boxes.
Is a Business Cash Advance Right for Your Business?
Here are just a few of the businesses we work with that benefit most form a business cash advance:
Restaurants
With fluctuating daily sales and high operating costs, there's a often need quick cash for equipment or inventory.
Retail Stores
Especially with seasonal demand spikes, needing short-term cash to stock up on inventory.
Salons and Spas
These businesses can use cash advances for marketing, renovations, or purchasing supplies.
E-commerce
With unpredictable cash flow, they may need funds to manage large orders or marketing campaigns.
Auto-Repair
Whether it’s purchasing parts or adding new service bays, a merchant cash advance allows you to manage unexpected expenses.
Find out if your business qualifies?
How to Use a Merchant Cash Advance?
A Merchant Cash Advance should be used for short-term, revenue-generating purposes to ensure that the borrowed money helps improve cash flow or grow your business. Since MCAs are expensive, using them wisely is crucial. Here are some of the best uses for a merchant cash advance
To fund the expansion of your business, such as opening a new location, upgrading your store, or renovating your existing space
Stock Up on Inventory
If you need to purchase large quantities of inventory but are facing a cash shortfall.
Hire Staff or 0Cover Payroll
If you need to hire more staff for a busy season or need help covering payroll during a slow period.
Launch Marketing Campaigns
Bring in new customers with targeted advertising.
Handle Emergencies
Address repairs or unexpected expenses without draining your reserves.
Expand Operations
How are you going to use your funds?
Quick approvals,
no collateral and flexible repayment
What is a Merchant Cash Advance?
A merchant cash advance isn’t your typical loan. Think of it as a cash injection for your business based on your sales. It’s a quick, hassle-free way to get funding without the long waits and mountains of paperwork that come with traditional loans.
Also known as a business cash advance it is a fast business financing option where you get a lump sum of cash upfront in exchange for a percentage of your future sales. You pay us back by agreeing to a fixed amount that gets deducted from your bank account automatically, either daily, weekly, or bi-weekly via ACH. The best part? The repayment stays the same, so there are no surprises.
Why Choose Cap2All?
We know you have options, but here’s why businesses trust us:
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Don’t let financial hurdles slow you down—apply now or call us to get started on securing your funding fast.
How it works in 4 easy steps
Getting the funds you need shouldn’t feel like climbing a mountain. Here’s how we make securing business funding quick, easy, and stress-free:
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Step1:
Apply
Fill out our simple online application in just a few minutes. Tell us about your business, financial needs, and goals—no endless paperwork required.
Step 2:
Get a Decision Fast
We will review your application, and in many cases, you’ll get a decision in as fast 4 to 6 hours. We focus on your business’s potential, not just your credit score.
Step 3:
Choose Your Funding Option
Once approved, we’ll present you with tailored funding options. Pick the one that works best for your cash flow and repayment preferences.
Step 4:
Receive Your Funds
Funds are disbursed quickly—sometimes as soon as the next business day. Start using your capital to grow, manage, or stabilize your business right away.
Start your application quick business funding apply today.
Why Choose an MCA for Quick Business Funding?
When time is of the essence, and you need cash fast, a merchant cash advance offers clear benefits:
Don’t let financial hurdles slow you down—apply now or call us to get started on securing your funding fast.
FAQs About Merchant Cash Advance
Q: How is a Merchant Cash Advance Different from a Loan?
A: A Merchant cash advance isn’t a traditional loan. It’s an advance on your future revenue, offering flexible repayment terms tied to your sales.
Q: What Are the Eligibility Requirements?
A: The minimum requirements to qualify for a merchant cash advance are: 3 months time in business, 3 consecutive months of $15,000 a month in gross deposits, personal credit 500+, a business bank account, no open Bankruptcies.
Q: How Much Can I Get?
A: Funding amounts range from $3,000 to $500,000 +, depending on your revenue.
Q: What are the fees associated with a business cash advance?
A: Business cash advances charge a "factor rate," typically between 1.15 and 1.49. For example, if you borrow $10,000 with a 1.2 factor rate, you’ll repay $12,000. These fees are fixed.
Q: How Do Repayments Work?
A: Repayments are made automatically as a fixed daily amount automatically transferred from you business bank account.
Q:What industries are suited for a business cash advance?
A: Industries with consistent sales, such as retail, restaurants, healthcare, and e-commerce, often benefit from business cash advances. Seasonal businesses may also find it useful.
Q: What are the advantages of a business cash advance?
A: The advantages are:
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Quick approval and funding
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No collateral required
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Flexible payments based on sales
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Less emphasis on credit score
Q: What are the disadvantages of a business cash advance?
A: The disadvantages are:
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Higher costs compared to traditional loans
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Daily or weekly repayments can strain cash flow
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Not ideal for long-term financing need
If you’re considering a business cash advance, ensure you understand the costs and repayment terms to determine if it suits your business’s needs.