Merchant Cash Advance
Fast Capital Based on Your Daily Sales — Funded in 24–72 Hours
From $5K to $2M with no fixed monthly payment. Repayment scales automatically with your revenue — choose credit-card-based or bank-deposit-based collection.
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Apply now to get pre-qualified. Soft credit check only — no impact to your score. Instant pre-approval to share.
Rates, terms, fees, and funding timelines vary by lender, applicant eligibility, and program requirements.
A Merchant Cash Advance (MCA) is not technically a loan — it's a purchase of your future receivables. You receive a lump sum upfront and repayment happens automatically as a percentage of your daily sales. This means on slow days you pay less, and on busy days you pay more. The advance is fully repaid when the total purchased amount plus the factor rate fee is collected.
MCAs can be structured in two ways, and the overall process is exactly the same either way — the only difference is which revenue stream the repayment is tied to. Option one is credit-card-based: repayment is collected as a percentage (typically 10–20%) of your daily credit card and debit card sales. Option two is revenue-based (also called ACH-based): repayment is collected as a fixed daily or weekly ACH debit from your business bank account, calibrated to your total deposits. Both options offer the same flexible, revenue-proportional repayment structure — you simply choose the one that matches how your business collects revenue.
Credit-card-based MCAs are ideal for businesses with high volumes of card transactions: restaurants, retail stores, e-commerce businesses, salons and spas, and auto repair shops. Revenue-based (ACH) MCAs are ideal for businesses that don't process significant card volume but have consistent bank deposits — B2B service companies, contractors, wholesalers, professional services, and healthcare practices. Either way, approval is based primarily on your monthly revenue rather than your personal credit score, and many providers approve businesses with credit scores as low as 500.
It's important to understand factor rates, which are how MCAs express cost. A factor rate of 1.20 means that for every $1 advanced, you repay $1.20. On a $50,000 advance with a 1.20 factor rate, you repay $60,000 total. Factor rates are not the same as interest rates — they represent a fixed cost, not an annualized rate. Let's Syndicate helps you understand the true cost of each MCA offer and compare it fairly against alternatives.
A Simple, Fast Process
Submit Your Revenue History
Provide 3–6 months of credit card processing statements (for card-based) or business bank statements (for revenue-based). Approval is based on your revenue, not your credit score.
Get Approved in Hours
MCA providers can approve and fund in 24–72 hours. We match you with providers whose factor rates and terms fit your situation — card-based or ACH-based.
Receive Your Advance
The lump sum is deposited into your business account. There are no restrictions on how you use the funds.
Repay Through Daily Revenue
Repayment is collected automatically — either as a percentage of daily card sales (card-based) or a fixed daily/weekly ACH debit from your bank account (revenue-based). On slow days you pay less; on busy days you pay more.
How Businesses Use This Financing
Restaurant Working Capital
Cover payroll, inventory, or renovations during slow seasons — repayment scales with your daily sales volume.
Retail Inventory Purchase
Stock up for holiday seasons or sales events, then repay as card sales increase during peak periods.
Emergency Business Needs
Address urgent repairs, equipment replacement, or unexpected expenses when speed is critical.
Credit-Challenged Businesses
Access capital when traditional lenders have declined you due to credit score or time in business.
Seasonal Revenue Bridge
Bridge the gap between seasons with flexible repayment that adjusts to your revenue cycle.
- Very fast approval and funding — 24–72 hours
- Bad credit accepted — approval based on card volume, not credit score
- Flexible repayment tied to daily sales — no fixed monthly payment
- No collateral required — it's a purchase of future receivables
- Pay back faster when sales are high, slower when sales are low
- Minimal documentation — just processing statements and bank statements
- No restrictions on how you use the funds
- Available to businesses as young as 3 months old
- ◆Minimum $5,000 monthly revenue (card sales or bank deposits)
- ◆3+ months in business
- ◆Personal credit score 500+ (varies by provider)
- ◆Credit card processing capability (card-based) OR business bank account with consistent deposits (revenue-based)
- ◆3–6 months of business bank statements
- ◆3–6 months of credit card processing statements (if card-based)
- ◆No active bankruptcies
The Retailer Who Survived a Slow Summer
How a flexible MCA kept a retail store alive through the off-season
A retail clothing store in a beach town made 70% of its annual revenue between June and August. In an unusually slow summer caused by construction on the nearby boardwalk, the owner found himself unable to cover rent and payroll by July. His bank declined him for a line of credit because his year-over-year revenue was down — even though the situation was temporary and the boardwalk was scheduled to reopen by fall.
He came to Let's Syndicate and was matched with an MCA provider that offered $40,000 at a factor rate of 1.25. The advance funded in 48 hours, covering rent and payroll through the rest of the summer. Because repayment was tied to daily card sales, his payments were minimal during the slow weeks — and then scaled up automatically when the boardwalk reopened and foot traffic returned.
The advance was fully repaid by November. The total cost was $10,000 on a $40,000 advance — but without it, the business would have closed its doors in August. The flexible repayment structure meant he never faced a payment he couldn't afford, even during the worst weeks of the slow season.
Result: $40K funded in 48 hours. Factor rate 1.25. Repayment scaled with sales — minimal during slow weeks, higher when traffic returned. Business survived.
Not All MCAs Are Created Equal
The MCA industry has a wide range of providers — from reputable companies with transparent factor rates to aggressive providers with hidden fees and stacked advances. When you take the first MCA offer you find, you may end up with a factor rate of 1.69 when a competing provider would have offered 1.20 for the same advance. On a $100,000 advance, that difference is $49,000 — money that stays in your pocket when you compare offers.
Let's Syndicate puts your single application in front of multiple MCA providers simultaneously. You see real factor rates, holdback percentages, and total repayment amounts side by side — and you choose the offer that costs you the least. We also help you understand whether an MCA is the right product for your situation, or whether a lower-cost alternative like a short-term loan or revenue-based financing would serve you better.
- Compare factor rates from multiple MCA providers — save tens of thousands
- Transparent total-cost calculations — no hidden fees or surprises
- Avoid stacked advances from providers who don't disclose existing MCAs
- Honest assessment of whether an MCA or a lower-cost alternative is better for you
- Providers matched to your industry, card volume, and business age
Common Questions About Merchant Cash Advance
A factor rate is a fixed multiplier that determines the total repayment amount. A factor rate of 1.20 means you repay $1.20 for every $1 advanced. On a $50,000 advance at 1.20, you repay $60,000 total. Factor rates are not annualized interest rates — they represent a fixed cost.
Factor rates typically range from 1.10 to 1.69, meaning the total cost of the advance is 10–69% of the amount advanced. The actual cost depends on the provider, your card volume, your time in business, and your industry. Comparing offers from multiple providers can save you significantly.
Yes. MCA approval is based primarily on your monthly credit card processing volume, not your personal credit score. Many providers approve businesses with credit scores as low as 500. However, lower credit may result in a higher factor rate.
Repayment is collected automatically — the process is the same either way, just from a different revenue source. With a credit-card-based MCA, a percentage (typically 10–20%) of your daily card and debit card sales is remitted (called a holdback). With a revenue-based (ACH) MCA, a fixed daily or weekly amount is debited from your business bank account, calibrated to your total deposits. Both options flex with your revenue — on slow days you pay less, on busy days you pay more.
MCAs are best for businesses with high card volume that need fast capital and have credit challenges. However, they're more expensive than many alternatives. Let's Syndicate helps you compare MCAs against lower-cost options like short-term loans, revenue-based financing, and lines of credit to ensure you're choosing the right product.
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Let's Syndicate is a business funding marketplace. All credit decisions, rates, terms and outcomes are determined by participating lenders, investors or third-party providers.