Merchant Cash Advance built on flexibility

Our merchant cash advance is designed for businesses with a need for capital fast.

Apply Now
Learn More

Merchant Cash Advance built on flexibility

Our merchant cash advance is designed for businesses with a need for capital fast.

Apply Now
Learn More

What is a merchant cash advance?

A merchant cash advance gives a business access to capital fast to meet their business needs based on future credit card receivables. The way this business cash advance works is it gives a business access to funds in a fast and simple way in return for a portion of the business’s future revenue receivables at a discounted price. To be approved for an MCA, certain crtieria must be met. An important criteria, among others, is that the business must accept credit card payments or have other receivables.

Our merchant cash advance amount starts at $5,000 and ranges up to $500,000. This business advance is ideal for businesses who need fast access to capital funds with a simple and easier application process. The merchant cash advance also provides a business with flexibility as the advance has variable payments based on business receivables. If your business has high credit card sales, or has lots of receivables, or is seasonal, then a merchant cash advance might be ideal for the business.

**An estimated completion date is calculated based on the estimated time it will take the business to deliver the receivables (which will vary based on the business’ performance). These estimated completion dates typically range between 3 months up to 18 months, but this is only an estimate.

What is a merchant cash advance?

A merchant cash advance gives a business access to capital fast to meet their business needs based on future credit card receivables. The way this business cash advance works is it gives a business access to funds in a fast and simple way in return for a portion of the business’s future revenue receivables at a discounted price. To be approved for an MCA, certain crtieria must be met. An important criteria, among others, is that the business must accept credit card payments or have other receivables.

Our merchant cash advance amount starts at $5,000 and ranges up to $500,000. This business advance is ideal for businesses who need fast access to capital funds with a simple and easier application process. The merchant cash advance also provides a business with flexibility as the advance has variable payments based on business receivables. If your business has high credit card sales, or has lots of receivables, or is seasonal, then a merchant cash advance might be ideal for the business.

**An estimated completion date is calculated based on the estimated time it will take the business to deliver the receivables (which will vary based on the business’ performance). These estimated completion dates typically range between 3 months up to 18 months, but this is only an estimate.

Merchant cash advance allow fast access to capital.

All you need are 4 important things to apply.

Application Process

Merchant Cash Advance FAQ

A merchant cash advance works by providing the business with the capital it needs in a fast and easy way, in return for a portion of the business’s future revenue receivables at a discounted price. The small business financing company receives a certain percentage of the business’s future accounts receivables.
A small business that has accounts receivables, such as credit/debit card sales, invoices, etc., is able to apply for a merchant cash advance. The small business financing company will review credit card processing statements, business bank account statements, invoices and more to review to see if a merchant cash advance is right for the small business.
While most small business financing companies may use credit as a factor when looking at your small business financing application, it might not be a determining factor as to whether or not the application is approved. Most small business financing companies may also take into consideration the overall performance of your small business by looking at the business revenue, time in business, accounts receivables, and business credit history.
A business can benefit from a small business cash advance as this allows fast access to the capital the business needs with very flexible payment options. A small business cash advance tends to be more flexible than traditional loans. This is ideal for businesses that are seasonal, or have high credit card sales or have a lot of receivables.
Yes, a merchant cash advance is the same as a business cash advance, just different terminology, but the product provides the small business with access to working capital. A merchant cash advance or a business cash advance is a purchase and sales transaction where in the small business financing company purchases, at a discount, a portion of the small business’s future accounts receivables and the financing company is paid a percentage of those future accounts receivables.
A merchant cash advance is a purchase and sale transaction, where a financing company is purchasing, at a discount, a portion of the small business’s future revenue stream (ie credit/debit card sales or accounts receivables). A small business loan is when a financing company lends money to a borrower and the borrower must repay the small business loan with fixed payments.

Unsure which business financing solution is best for you?

  • Small Business Loan
    Want to receive funds in one lump sum with fixed terms and payments?
  • Line of Credit
    Looking for revolving credit and quick access to capital?
  • Other Financing Options
    Check out our other financing solutions for small businesses.

Merchant Cash Advance with Rapid

Here at Rapid Finance we are dedicated to the success of each of our clients. It’s simple, your success is our success. Therefore, we make sure we provide your business with the resources it needs to come up on top. Oh yeah, and let’s not forget the following!

Speak with a business advisor We have a long history of helping small business owners grow their business. We do the heavy lifting, so that you don't have to. APPLY NOW Call us at 800-664-0173

*Small Business Financial Solutions, LLC offers term loans (pursuant to its California Lenders License No. 603-I855) and factoring in California. Small Business Financial Solutions, LLC and Rapid Financial Services, LLC offer term loans, lines of credit and factoring outside of California. RFS Business Funding, LLC arranges term loans in California (pursuant to its California Finance Lenders License No. 603-J299) and arranges term loans, SBA loans, lines of credit, factoring, asset based loans, commercial real estate loans and business credit cards outside of California.