It fits businesses with steady card or bank deposits that need money fast and can carry daily or weekly payments; it is costlier than bank credit.
Check my optionsMerchant cash advance
A merchant cash advance fits some businesses and situations very well and others poorly. A short self-assessment on deposits, margins, timing and existing obligations usually gives a clear answer.
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.
Approved files are usually funded the next business day.
Net cash, total payback and payment shown before you sign.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
An MCA tends to fit when the business has steady daily or weekly deposits, healthy gross margins, a specific short-term use with clear payback and a need for speed. Restaurants restocking before a busy season, retailers buying holiday inventory, contractors covering materials for a signed job and service businesses replacing broken equipment are common examples.
It tends to fit poorly when margins are thin, because the cost of the advance can consume most of the profit from the funded activity; when the use has a long payback, such as a multi-year build-out; when deposits are irregular or very small; or when the business already carries several advances whose combined payments strain cash.
Run four checks before deciding. Margin check: will the funded use produce gross profit comfortably above the total cost of the advance? Payment check: does the daily or weekly payment fit your slowest week? Timing check: does the use pay back within the expected term? Stack check: after this advance, will total funding payments remain a manageable share of deposits?
If an MCA passes those checks, compare offers on net cash, total payback, payment amount and frequency, reconciliation terms and any early-payoff discount at 30, 60 or 90 days. If it fails one, consider a line of credit, equipment financing, a longer-term loan or a buyout of existing advances instead.
MFE considers credit from 500 and can show MCA, line-of-credit and second-position options together, so you can choose the product that passes the checks.
If an MCA does not pass the checks today, revisit them after a few months. Rising deposits, fewer negative days or the completion of an existing advance can turn a poor fit into a good one, and waiting is often cheaper than forcing a fit.
Here is an MCA that passes the margin and payment checks. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.40 |
| Total payback (amount × factor) | $175,000 |
| Fees deducted at funding (2%) | $2,500 |
| Net cash you receive | $122,500 |
| Weekly payment over 32 weeks | $5,469 |
| Same total as daily debits (~160 business days) | $1,094/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Margin check | Gross profit well above total cost |
| Payment check | Fits slowest week |
| Timing check | Use pays back within term |
| Stack check | Total payments stay manageable |
| If any fail | Consider other products |
Good fit:
Probably not yet:
It fits steady-deposit businesses with short-payback needs and healthy margins.
With thin margins, long-payback uses, irregular deposits or several existing advances.
Make sure the payment fits your slowest week.
A structured second position or buyout may fit better than a new independent advance.
Lines of credit, equipment financing and longer-term loans.
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