Get Your Business Funded in Hours, Not Weeks.
Stop waiting on a bank. Get a Merchant Cash Advance from $10,000 to $3,000,000 with same-day approvals and cash in your account in as little as 1–4 hours. No hard collateral. 500+ FICO considered. Led by Richard McKellar, our team has delivered $500M+ in capital to US business owners who need speed over red tape.
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What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance (MCA) is upfront working capital provided in exchange for a agreed share of your business's future sales. Because it is a commercial purchase of future receivables rather than a traditional bank loan, approval is based on your monthly revenue and deposit consistency rather than collateral or a high credit score.
Case Study: An established US business generating $85,000 in monthly gross deposits secured a $90,000 MCA in under 4 hours to capture a 15% bulk supplier discount—repaying automatically from daily sales without pledging collateral.
"When timing matters, revenue-based underwriting lets us fund strong businesses in hours instead of the 60-day wait at a traditional bank, says Richard McKellar, Founder of My Commercial Funding."
Funding Options Comparison
| Feature | Traditional Loan | MCA | Revenue Funding |
|---|---|---|---|
| Approval Time | 2–4 weeks | < 24 hours | 1–2 weeks |
| Collateral Required | Yes (Property/Assets) | None Required | None Required |
| Repayment Flex | Fixed Monthly Payments | % of Daily Sales | % of Monthly Sales |
How Fast-Track MCA Approval Works
Step 1: Simple Online Check
Complete our 60-second eligibility form with basic business details—no credit pull required.
Step 2: Provide Sales History
Submit your last 4 months of business bank statements; underwriting analyzes your deposit consistency and monthly revenue to size your advance.
Step 3: Instant Qualification & Offer
Receive a customized funding offer outline within 4 hours. Choose terms that suit your cash flow.
Step 4: Deposit & Automatic Repayment
Funds hit your bank account. Repay via a tiny percentage of sales: slow sales weeks mean lower daily payments.
Why a Merchant Cash Advance Beats a Traditional Bank Loan
My Commercial Funding provides fast business funding through Merchant Cash Advances (MCA) from $10,000 up to $3,000,000 (with larger amounts available on renewals), featuring same-day approvals and funding in as little as 1 to 4 hours (24 to 48 hours when a file needs extra review). Repayments are structured as a flexible daily or weekly remittance of future gross sales rather than fixed monthly debt service. The program requires at least 9 months in business and a minimum of $14,000 in monthly sales, with credit scores from 500 considered and no hard collateral required.
Traditional banks care about your FICO score and your hard collateral. We care about your revenue. An MCA is a purchase of your future sales, meaning we evaluate your business on the strength and consistency of your monthly deposits, not just your personal credit history.
While bank loans take 30–90 days and require a mountain of tax returns and financial statements, we move at the speed of business. If you have consistent revenue, you can be approved today and funded in hours.
My Commercial Funding acts as your operator and advisor. We structure and match your application across our capital partner network to secure the most competitive terms and flexible repayment structure for your cash flow.
How a Merchant Cash Advance Works
Understanding the mechanics of an MCA helps you evaluate whether it is the right working capital tool for your business. Here are the four core components:
Advance Amount
The lump sum wired to your business bank account—ranging from $10,000 to $3,000,000 and typically sized at 75%–150% of your average monthly revenue.
Total Payback (Quoted Per Deal)
Your total repayment is agreed upfront as a flat multiple of the advance amount based on your business revenue, deposit consistency, and time in business—with no compounding interest.
Holdback / Remittance Percentage
The predetermined percentage of gross sales remitted daily or weekly, sized so your operating cash flow remains healthy.
Automated Remittances
Remittances are collected automatically via ACH or split processing. On higher-volume sales periods you remit more; during slower periods you remit less until the agreed payback is complete.
Program Snapshot
Funding Range
$10K–$3M
Funding Speed
1–4 Hours
Term Range
30d–18mo
Every offer is priced on your file and quoted per deal with clear total payback terms before you sign.
Why Small Businesses Choose a Merchant Cash Advance
An MCA solves immediate working capital needs that traditional banks cannot address at the speed modern operations demand.
- Speed: Same-day approvals and funding in as little as 1–4 hours. No waiting weeks for a bank committee decision.
- Revenue-Aligned Repayment: Remittances scale with your sales volume, helping protect cash flow when business fluctuates.
- No Hard Collateral: No real estate liens, no equipment pledges, and no inventory holds required.
- 500+ FICO Considered: Credit score is reviewed, but monthly revenue and deposit consistency carry far more weight.
- Streamlined Documentation: Just 4 months of business bank statements, a one-page application, photo ID, and a voided check.
- Built for Variable Cash Flow: Because remittances track gross sales, businesses with fluctuating revenue cycles aren't locked into rigid monthly notes.
- Accessible Time-in-Business Threshold: Businesses with at least 9 months of operating history and $14,000+ in monthly revenue are eligible.
- Unrestricted Use of Capital: Deploy funds for inventory, payroll, marketing, vendor discounts, equipment, or expansion.
Who a Merchant Cash Advance Is Best For
MCAs are designed for established businesses with consistent revenue that need fast, flexible capital without pledging assets. Here are the financial profiles and business situations where an MCA fits best:
High-Velocity Daily or Weekly Deposits
Businesses generating $14,000+ in monthly gross sales through card settlements or regular bank deposits that want repayments to move in step with revenue.
Time-Sensitive Growth & Inventory Buys
Owners capturing early-pay vendor discounts, bulk inventory opportunities, or immediate expansion projects where the return exceeds the cost of capital.
Short-Term Cash Flow & Receivable Gaps
Companies bridging the timing gap between upfront operating expenses—such as payroll or supplier deposits—and incoming customer payments.
Asset-Light Operators
Businesses that lease their facilities or prefer not to tie up real estate, vehicles, or equipment with bank liens and long-term blanket encumbrances.
Credit-Challenged Business Owners
Profitable companies whose owners have personal FICO scores in the 500s or prior credit blemishes that trigger automatic denials at traditional banks.
Merchants Seeking Renewal or Consolidation Paths
Growing businesses using fast working capital today with a clear roadmap to renew for larger limits or transition into longer-term financing as they scale.
Looking for underwriting tailored to your specific sector? Explore our dedicated Funding by Industry programs.
Requirements to Qualify for a Merchant Cash Advance
MCA qualification focuses on your business's real deposit activity. Here are the standard thresholds across our underwriting network:
- Minimum 9 months in business
- Minimum $14,000+ in average monthly gross revenue
- Credit scores as low as 500 considered (revenue and deposit consistency are primary factors)
- Last 4 months of business bank statements
- Completed one-page application
- Government-issued photo ID (driver's license or passport)
- Voided business check or bank verification letter
How Fast Can I Get a Merchant Cash Advance?
Speed is the defining advantage of an MCA. My Commercial Funding routinely secures same-day approvals for qualified businesses, meaning you can have a firm offer in hand on the same day you submit your application and bank statements.
Once approved and the agreement is signed, funds typically reach your business bank account within 1 to 4 hours for a complete file, or 24 to 48 hours when the file needs extra review.
Compare that to a traditional bank or SBA loan—which averages 30–90 days from application to closing—and it is clear why thousands of US business owners choose an MCA when timing is critical.
What Can You Use MCA Funds For?
Unlike equipment leases or restricted bank loans, MCA funds come with zero spending covenants. Once the capital hits your account, you deploy it wherever it generates the highest return for your business:
- Inventory purchases and bulk supplier discounts
- Payroll and staffing during growth or seasonal transitions
- Commercial rent, lease obligations, or facility upgrades
- Urgent equipment repairs or replacements
- Customer acquisition, marketing, and advertising campaigns
- Fulfilling large customer orders or new contracts
- Expanding a location or launching a new service line
- Hiring and onboarding revenue-generating staff
- Tax obligations and working capital reserves
MCA vs. Traditional Business Loan vs. Line of Credit
| Feature | Merchant Cash Advance | Traditional Bank Loan | Business Line of Credit |
|---|---|---|---|
| Time to Fund | 1–4 hours | 30–90 days | Days to weeks |
| Credit Requirement | 500+ FICO considered | 680+ typically required | Revenue-based / varies |
| Collateral Required | No hard collateral | Often required | Varies by program |
| Documentation | Minimal (4 mos bank stmts + ID) | Extensive (tax returns, financials) | Moderate |
| Repayment Structure | % of daily or weekly sales | Fixed monthly payment | Revolving draw payments |
| Pricing Structure | Flat cost quoted per deal | Annual interest rate (APR) | Interest on drawn balance |
| Flexibility | Remittances scale with revenue | Fixed regardless of sales | Draw and repay as needed |
The trade-off is straightforward: MCAs are faster and more accessible, while bank term loans carry a lower cost of capital if you have strong credit and can wait weeks for underwriting. For business owners who need immediate execution or flexible revenue-based remittances, an MCA is often the most practical tool available.
At My Commercial Funding, our job is to show you every option your file qualifies for—including when a term loan, line of credit, or revenue-based financing is a better fit—so you can make a fully informed decision.
Risks and When an MCA May Not Be Right
We believe in full transparency: a merchant cash advance is a short-term, higher-cost capital tool designed for speed and return on investment. For businesses with net profit margins below 15–20%, daily or weekly remittances can create cash flow pressure if not sized carefully.
Taking multiple advances simultaneously without a clear payoff plan ("stacking") can strain daily operations. You can test your current holdback ratio anytime with our free MCA Affordability Calculator.
If your business already has multiple advances squeezing cash flow, ask our team about MCA consolidation and refinancing options to replace daily debits with a longer-term monthly payment structure.
How to Apply for a Merchant Cash Advance with My Commercial Funding
Richard McKellar and his team have helped thousands of business owners secure fast, transparent working capital. Here is how our process works:
Start Your 60-Second Online Application
Tell us about your business, monthly revenue, and how much capital you need. There is no hard credit pull to see your options.
Upload 4 Months of Bank Statements
Provide your last 4 months of business bank statements, photo ID, and a voided check so underwriting can verify deposit consistency.
Same-Day Underwriting Review
Our team packages and matches your file to the strongest program in our network to maximize your approval amount and terms.
Review Clear, Written Offers
We walk you through every detail—advance amount, total payback, remittance percentage, and term—so there are zero surprises.
Sign & Get Funded in as Little as 1–4 Hours
Complete e-signing and receive funds wired directly to your business bank account—often within 1 to 4 hours for a complete file.
Frequently Asked Questions About Merchant Cash Advances
Plain-English answers to the most common MCA questions.
Ready to Get Funded Today?
Apply in 60 seconds with no hard credit pull and see your real funding options—often within hours.