Yes. Merchant cash advances are usually unsecured by specific assets; funders rely on future sales and a personal guarantee, and may file a UCC lien.
Check my optionsMerchant cash advance
Merchant cash advances are generally not secured by a specific asset like a building or a truck. What backs the deal is the purchase of a share of your future receivables, usually supported by a UCC filing and an owner guarantee.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
A person reviews your revenue, time in business and bank activity, often within hours.
Existing balances of $100,000 or less can be bought out.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
In a merchant cash advance, the funder buys a portion of your future sales at a discount. You receive cash today and the funder collects its share from your deposits through a fixed daily or weekly payment or a percentage of sales. Because the asset purchased is future revenue, there is no need to pledge real estate, equipment or vehicles, which is why owners without significant assets can still qualify.
That does not mean nothing secures the agreement. Most funders file a UCC-1 financing statement, which gives public notice of their interest in your receivables and sometimes in general business assets. The owner usually signs a guarantee of performance, promising not to divert receivables, switch bank accounts without notice or close the business secretly. Read both carefully, because their scope differs between funders.
The lack of hard collateral is part of why advances cost more than secured bank loans: the funder takes more risk. It is also why underwriting focuses so heavily on your bank statements. Steady deposits, few negative days and manageable existing payments are what make an unsecured advance possible, with credit from 500 considered.
If you have assets and time, a secured loan may be cheaper. If you need speed, lack collateral or do not want to put property on the line, an unsecured advance through a marketplace like MFE can be compared across multiple funders.
Here is how an unsecured advance might be structured. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $145,000 |
| Fees deducted at funding (3%) | $3,000 |
| Net cash you receive | $97,000 |
| Weekly payment over 32 weeks | $4,531 |
| Same total as daily debits (~160 business days) | $906/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Purchase of future receivables | The core of the deal |
| UCC-1 filing | Public notice of the funder interest |
| Performance guarantee | Owner promises no diversion |
| Bank statement history | Main underwriting evidence |
| No real estate or vehicle pledge | Typical for advances |
Good fit:
Probably not yet:
Usually no specific asset is pledged; the deal is based on future receivables.
A public record that a funder has an interest in certain business assets or receivables.
Advances are generally not secured by personal real estate, but guarantees and remedies vary; read the agreement.
The funder takes more risk without hard collateral.
Options begin at 500.
It should be terminated after the balance is paid; ask the funder to file the termination.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding