The funder reviews deposits, offers an amount and factor rate, funds the account, and collects a fixed debit or holdback until paid.
Check my optionsMerchant cash advance
Understanding what an MCA is differs from living with one. Day to day, an advance shows up as debits in your bank account, affects how much cash you have each morning and requires a few habits to manage smoothly.
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.
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.
On the bank statement, remittances appear as recurring debits, usually each business day or once a week, labeled with the funder name or processor. If the agreement uses a card-split structure, you will see smaller net settlements from your processor instead of separate debits. Either way, budget around the collection days rather than the monthly total.
Cash on hand changes. A daily debit means slightly less cash every morning than you would otherwise have. Keep a buffer equal to at least one to two weeks of remittances in the account so a slow day does not cause a returned payment, which can trigger fees and default provisions.
Communication matters. If sales drop, contact the funder before a payment fails and ask about reconciliation under the agreement. Provide recent statements showing actual receivables. Funders generally respond better to early, documented requests than to returned debits.
Renewals arrive midway. Many funders offer additional funding once a portion of the purchased amount has been remitted. Before accepting, calculate how much new cash you actually receive after the remaining balance is paid off, and whether the new remittance fits. Renewal is optional.
Avoid stacking. Taking another advance from a different funder while one is active adds a second debit to the same deposits. If more capital is needed, ask about a structured second position or a buyout of up to $100K instead.
At completion, request a payoff letter and UCC termination. MFE considers credit from 500 and offers written agreements that show remittance amounts and schedules up front.
Here is how remittances might appear over a typical week. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $32,500 |
| Fees deducted at funding (5%) | $1,250 |
| Net cash you receive | $23,750 |
| Weekly payment over 44 weeks | $739 |
| Same total as daily debits (~220 business days) | $148/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Bank statement | Recurring debits or reduced settlements |
| Cash buffer | 1-2 weeks of remittances |
| Sales drop | Request reconciliation early |
| Renewal offers | Calculate net new cash |
| Completion | Payoff letter and UCC termination |
Good fit:
Probably not yet:
As recurring debits or reduced card settlements, depending on structure.
At least one to two weeks of remittances.
Contact the funder early and request reconciliation with recent statements.
Only after calculating net new cash and payment fit.
Uncoordinated stacking is risky; ask about a structured second position or buyout.
Request a payoff letter and UCC 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