Capital based on your sales, for restaurants, shops and service businesses across the Commonwealth. Soft pull to start, no tax returns.
Get My OfferMassachusetts MCA
If your Massachusetts business takes cards and deposits regularly, an MCA can turn that sales history into capital for stock, staff or repairs.
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.
Five-minute application and about three months of statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Consistent sales and deposits weigh heavily.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan around it.
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.
A merchant cash advance provides capital now in exchange for a portion of your future sales. Instead of a traditional loan structure, repayment is tied to your business revenue, and the arrangement is laid out in your offer before you accept.
It tends to suit businesses with frequent sales coming in: restaurants, retailers, salons, auto shops and service businesses that take cards and deposit regularly.
The Massachusetts economy is wide, but card-heavy businesses show up everywhere:
For a seasonal Cape business, an advance taken in spring can fund stock and staff before the summer crowds arrive.
The application takes about 5 minutes. We start with a soft credit pull and review about three months of business bank statements. No tax returns are needed. FICO scores of 500 and up are considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Your sales and deposit history drive the amount. We look at monthly volume, consistency, and any existing financing you are paying. Offers range from $25,000 to $5,000,000. Your offer shows the full repayment amount and the repayment schedule before you accept, so you can judge whether it fits your margins.
An MCA is one tool. If your need is ongoing, a business line of credit in Massachusetts may fit better. For a specific machine or vehicle, consider equipment financing. We are happy to explain the differences when we review your file.
Before accepting an advance, compare the full repayment amount with the profit the money will help produce. A restaurant that adds patio seating for summer can estimate the extra covers. A shop buying holiday inventory knows its typical sell-through. That simple check keeps an advance working for you, in a busy season and a slow one alike.
No. An MCA is an advance against future sales rather than a traditional loan. The structure and full repayment amount are shown in your offer before you accept.
No. FICO 500+ is considered. Sales and deposit history carry a lot of weight.
Yes. We look at your deposit pattern across the year. Tell us about your seasonality when you apply so we see the full picture.
About three months of business bank statements and the short application. No tax returns.
Qualified businesses can be funded in as little as 24 hours after accepting the offer.
Example uses for illustration only.
These habits help an MCA application read well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding