Merchant Cash Advance Loan for Small Businesses
Fast, flexible funding based on your future sales—not your credit score.
What is a Merchant Cash Advance Loan (MCA)?
A Merchant Cash Advance (MCA) is a quick and convenient financing option that allows business owners to receive a lump sum of working capital in exchange for a portion of future daily or weekly sales. Unlike traditional loans, MCAs aren’t repaid through fixed monthly installments—instead, repayments are automatically deducted from your business’s credit card or debit card sales.
This funding type is particularly useful for businesses with consistent revenue but limited access to traditional financing, such as those with low credit scores or minimal collateral.
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How Does an MCA Work?
An MCA works by advancing your business a fixed amount of cash. In return, you agree to repay that amount—plus a fee—through a percentage of your daily or weekly sales, also called a “holdback.”
Here’s a simple breakdown:
- You receive: $20,000 MCA
- You repay: $25,000 total (depending on your factor rate)
- Repayment method: Fixed percentage of daily credit/debit card sales
- Duration: Typically 3–12 months, depending on sales volume
Because repayment is tied to sales, it automatically adjusts with your revenue—pay more when sales are high, less when they slow down.
Who Should Consider a Merchant Cash Advance?
MCAs are best suited for businesses that:
- Have consistent daily/weekly sales (especially via credit/debit cards)
- Need cash quickly—often within 24 hours
- May not qualify for traditional loans due to low credit, lack of collateral, or limited time in business
- Prefer flexible repayment that adjusts with revenue
Industries that commonly use MCAs include:
- Retail shops and boutiques
- Restaurants, food trucks, and cafés
- Beauty salons and barbershops
- Auto repair shops
Merchant Cash Advance vs Traditional Business Loans
| Feature | Merchant Cash Advance | Traditional Business Loan |
|---|---|---|
| Credit Score Needed | Low to fair | Good to excellent |
| Repayment Structure | % of daily/weekly sales | Fixed monthly payments |
| Collateral Required | No | Often yes |
| Approval Time | As little as 24 hours | 1–3 weeks |
| Best For | Quick, flexible short-term funding | Long-term growth or investment |
Why Choose SQR Financial for Your MCA?
At SQR Financial, we understand that speed and flexibility are essential for small business owners. That’s why we offer MCAs designed around your real-world cash flow, not rigid banking standards.
Here’s what sets us apart:
- Funding in as little as 24 hours
- Minimal paperwork—no extensive financials or collateral
- Flexible repayment aligned with your actual sales
- Transparent terms—no hidden fees or confusing fine print
- Dedicated loan advisors to guide you through the process
Will an MCA affect my credit score?
No hard credit pull is required to apply. While your score may be reviewed during underwriting, it generally won’t impact your credit unless you default.
How is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly sales (usually 8–20%). The total amount owed depends on a factor rate (e.g., 1.2x the amount advanced).
Can I pay off my MCA early?
Yes, but there may not be a discount for early repayment since the cost is fixed upfront. We’ll explain your specific terms clearly before you accept.
What if my sales slow down?
Repayments are proportional to your sales. If your revenue dips, your repayment automatically adjusts to reduce pressure on your cash flow.
How fast can I get funded?
Most businesses receive funding within 1 to 3 business days from approval, depending on how quickly documents are submitted.