Merchant Cash Advance $10,000 to $250,000
Working capital based on your sales and deposits, not just your credit score. Repayment flexes with your revenue.
Check My Options →- Approval weighs revenue more than credit
- Repaid from your sales, not a fixed monthly bill
- Secure bank connection via Plaid
- Pre-qualification soft inquiry (no credit score impact)
How a Merchant Cash Advance Works
- 1
You receive a lump sum
A funding partner advances cash against your business's future sales.
- 2
Repayment comes from sales
The partner collects a set share of your sales (the holdback) or a fixed daily or weekly amount until the agreed total is repaid.
- 3
Priced with a factor rate
The total you repay is the advance times a factor rate. For example, $50,000 at a 1.3 factor rate means $65,000 repaid in total.
The factor rate example is for illustration only. Factor rates vary by partner and business profile, and your partner gives you the total repayment and expected term before you sign.
What MCA Partners Look At
Sales & Deposits
Consistent monthly deposits or card sales in a business bank account carry the most weight.
Time in Business
Several months of history, shown through recent business bank statements.
Existing Advances
Partners ask how many advances you already have and how much is still owed.
Credit Profile
Usually reviewed, but weighted less than revenue, so a lower score doesn't rule you out.
Merchant Cash Advance vs. Business Loan
| Merchant Cash Advance | Business Loan | |
|---|---|---|
| Approval focus | Revenue and bank activity | Credit, time in business and cash flow |
| Repayment | Daily, weekly or a share of sales | Usually a fixed monthly payment |
| Pricing | Factor rate (total payback) | Interest rate and APR |
| Cost | Usually higher | Usually lower |
| Speed | Typically quicker to arrange | Bank and SBA loans take longer |
Before you sign, ask for the total repayment, the expected term, any fees on top of the factor rate, and whether paying early earns a discount. Our guide Merchant Cash Advance Explained covers the details, and the business loan calculator helps you estimate payments.
Merchant Cash Advance Alternatives
An MCA is usually more expensive than a loan. If your business qualifies for a lower-cost option, consider it first.
Frequently Asked Questions
What is a merchant cash advance?
A merchant cash advance (MCA) gives your business a lump sum in exchange for a share of your future sales. It's structured as a purchase of future receivables rather than a loan, so approval focuses on your revenue more than your credit score.
Can I get a merchant cash advance with bad credit?
Often, yes. Approval leans on revenue and bank activity, so a lower credit score doesn't rule you out the way it might for a bank loan. Weaker profiles usually see higher costs and shorter terms, so compare the total repayment carefully.
How is a factor rate different from an interest rate?
A factor rate sets the total you repay: the advance times the factor rate. It is not an APR. Because MCAs are usually repaid over months rather than years, the equivalent annual cost can be much higher than the factor rate suggests.
How much can I get?
GoSwiftFund connects businesses with merchant cash advance partners for $10,000 to $250,000. The amount offered depends on your monthly sales and deposits.
What are the alternatives to a merchant cash advance?
Revenue-based financing, a business line of credit, an SBA 7(a) loan or equipment financing can cost less if your business qualifies. If a lower-cost option fits your profile better, we'll point you to it.
Will checking my options affect my credit score?
No. Checking your options with GoSwiftFund uses a soft inquiry, which does not affect your credit score.
Turn Your Sales Into Working Capital
Connect your bank, show your deposits, and see your merchant cash advance options. Checking uses a soft inquiry, so your credit score is not affected.
Check My Options →