A set percentage (holdback) of daily card or bank deposits, or a fixed daily debit, repays the agreed amount. Slow days mean smaller payments only with true holdback.
Check my optionsMerchant cash advance
Some cash advances are repaid as a fixed percentage of each day of sales, so payments rise on busy days and shrink on slow ones. Others use a fixed daily debit estimated from average sales. Knowing which you have changes how you budget.
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.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
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 the classic split-funding model, the payment processor that handles your card sales sends an agreed percentage of each batch, called the holdback or retrieval rate, to the funder before the rest reaches your account. If the holdback is 10% and you process $2,000 on a Saturday, $200 goes to the funder; on a $600 Tuesday, $60 does. The advance is complete when the fixed total payback has been collected, so slow periods stretch the timeline rather than raising the daily burden.
Many advances today use a fixed ACH debit instead, because it works with any deposit source, not just card sales. The funder estimates what the holdback percentage would produce on an average day and debits that amount from your bank account each business day. The amount does not change automatically with sales, which is why reconciliation clauses matter: they let you ask for an adjustment to match actual receivables when sales fall.
Either way, the total payback is the amount funded times the factor rate. With a percentage model, the term depends on how fast you sell. With a fixed debit, the term is estimated at signing. In both, the holdback percentage or the daily amount, not the factor alone, determines the day-to-day pressure on your cash.
Before signing, ask which model applies, what the holdback or daily amount is, how reconciliation works and whether early-payoff discounts exist. MFE can show offers from multiple funders, with credit from 500 considered.
Here is a daily-sales advance broken into its payment numbers. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.38 |
| Total payback (amount × factor) | $69,000 |
| Fees deducted at funding (5%) | $2,500 |
| Net cash you receive | $47,500 |
| Weekly payment over 36 weeks | $1,917 |
| Same total as daily debits (~180 business days) | $383/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| How collected | Split from card batches vs. ACH |
| Payment on slow days | Shrinks vs. stays fixed |
| Deposit sources | Card sales vs. any deposits |
| Term | Varies with sales vs. estimated |
| Adjustment | Automatic vs. via reconciliation |
Good fit:
Probably not yet:
The share of each day of sales sent to the funder until the total payback is collected.
No. A fixed debit stays the same each day; a holdback rises and falls with sales.
No. Payments shrink, and the term stretches, but the total payback stays the same.
Request reconciliation under the agreement, with statements showing actual receivables.
Fixed ACH debits usually run on business days; card holdbacks apply to every batch processed.
Options begin at 500.
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