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Merchant Cash Advance

Discover the Power of Merchant Cash Advances and Explore Alternative Funding Solutions

When you secure a merchant cash advance from Easy Merchant Financing®, you’ll receive a lump sum of capital in exchange for a percentage of your business’s future sales.

This innovative funding solution allows you to access the working capital you need without the burden of fixed repayment amounts. As your business generates sales, a portion will be directed towards repaying the advance, making it a flexible and dynamic financing option tailored to your cash flow.
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8 Minute

Application Process

A+ Rating

With the Better Business Bureau

$5.4 Billion

Funded To U.S Based Businesses

What is a Merchant Cash Advance?

Merchant cash advance (MCA) — also known as a business cash advance — which provides an alternative financing solution that differs from traditional financing.

Unlike loans, MCAs involve selling a portion of your future revenue instead of borrowing money. This unique approach allows for quick funding and more lenient qualification requirements, enabling businesses to secure approval even with bad credit.

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No hard credit pulls

Check your eligibility without affecting your credit score.***

Express Funding

Lines of credit can fund instantly.* Term financing can fund the same day.†

Bad Credit, No Problem.

We use your recent bank statements to determine whether you're eligible for funding.

Benefits of a Merchant Cash Advance
    • Accelerate your business launch: Obtain the necessary funds to kickstart your business and turn your ideas into reality.
    • Empower growth and expansion: Fuel your business growth by securing the financing needed to expand into new locations, launch impactful marketing campaigns, or scale your operations with additional staff.
    • Acquire essential equipment: Gain access to funds through a small business financing or line of credit specifically tailored for purchasing equipment or making significant investments in your business. Unlock the potential of your operations with upgraded tools and resources.
    • Bridge cash flow gaps seamlessly: Overcome temporary cash flow challenges or seasonal slowdowns by leveraging a small business financing designed to bridge these gaps and maintain your business’s financial stability.
    • Enhance working capital: Supercharge your working capital with a small business financing, enabling you to seize unexpected opportunities, navigate unforeseen setbacks, and enhance the overall financial strength of your business.
Where To Find Small Business Loans
    • Banks: Banks and credit unions remain solid choices for borrowers with excellent credit seeking larger funding amounts. These institutions offer competitive interest rates, but the finance application process can be lengthy, potentially delaying the funding timeline.
    • Online lenders: Online small business lenders provide a streamlined application process, ensuring quicker access to funds compared to traditional banks. Even borrowers with less-than-perfect credit can often qualify for financing, although interest rates may be higher in such cases.
    • Small Business Administration (SBA): The U.S. Small Business Administration collaborates with lenders to support finance specifically designed for small businesses. SBA offer competitive rates and terms, accommodating funding needs ranging from a few hundred dollars to several million. However, the borrowing requirements are stringent, and the application process can be rigorous, potentially leading to longer funding timelines.
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Minimum Requirements for Qualification

6 Months +

In Business

625

Credit Score

$100k

Businesses Annual Revenue

Business

Bank Account

Applying for business financing at Easy Merchant Financing is Easy
Get An Offer
Step 1: Submit Your Application

Rest assured that your information is securely protected, and we only require essential details about your business along with the latest three months’ bank statements.
Step 2 Obtain a decision

Your assigned finance advisor will carefully assess various small business financing options with you to identify the one that aligns best with your specific requirements.
Step 3 Access Your Funds

Upon completing the online checkout process, you can expect to receive your funds as quickly as the same day, ensuring swift access to the capital you need.†

We fund Businesses in Most Industries

Attorney

Unlock funding tailored for attorneys. Grow and focus your practice with ease, while we handle your financial needs.

 

1

Restaurants

Fuel your restaurant’s success with our specialized funding solutions tailored to meet the unique needs of the industry.

2

Construction

Secure the funding necessary for your construction projects, including materials, crafted for the construction industry.

3

Retail

Empower your retail business with our comprehensive funding solutions for inventory management, and expansion.

4

Frequently asked questions about Merchant Cash Advances

What is a Merchant Cash Advance?

A Merchant Cash Advance, often referred to as MCA, is a quick, flexible financing solution designed to support the cash flow needs of small and mid-sized businesses. It's not a loan, but a cash advance based on the credit card sales deposited in a business merchant account.

How does a Merchant Cash Advance work at Easy Merchant Financing?

At Easy Merchant Financing, we specialize in providing MCAs to diverse industries across the United States. Our seamless process allows businesses to access fast and hassle-free funding in as little as one business day.

How much can I borrow with a Merchant Cash Advance from Easy Merchant Financing?

With Easy Merchant Financing, you can secure a Merchant Cash Advance ranging from as little as $3,000 to as much as $500,000. We're here to support your financial needs and help your business reach new heights of success.

What makes a Merchant Cash Advance a good choice for my business?

A Merchant Cash Advance from Easy Merchant Financing is a great choice for businesses seeking quick, flexible funding. It's an alternative financing solution that can empower your business with the tools it needs to thrive, regardless of your industry.

How quickly can I receive funds from a Merchant Cash Advance?

At Easy Merchant Financing, we understand that time is of the essence for businesses seeking funding. That's why we've streamlined our process to provide you with the funds you need in as little as one business day.

People Also Ask About Merchant Cash Advances

What are the pros and cons of Merchant Cash Advances?

Pros of MCAs include quick access to funds, flexible repayment terms, and no need for collateral. However, they also come with cons such as higher costs compared to traditional loans, daily repayments that can impact cash flow, and the fact that they are not regulated like traditional loans.

What is the interest rate on a Merchant Cash Advance?

MCAs don't have a traditional interest rate. Instead, they come with a factor rate, which typically ranges from 1.1 to 1.5. This rate is multiplied by the advance amount to determine your total repayment amount.

What are the fees associated with a Merchant Cash Advance?

The primary cost associated with an MCA is the factor rate, which determines the total repayment amount. There may also be additional fees such as origination fees, processing fees, and potentially early repayment fees, depending on the provider.

How much can I get with a Merchant Cash Advance?

The amount you can get with an MCA depends on your business's credit card sales. Providers typically offer an advance amount based on your average monthly credit card revenue

What are the risks of getting a Merchant Cash Advance?

While MCAs offer quick access to funds, they come with risks such as high costs, potential impact on cash flow due to daily repayments, and lack of federal oversight. It's crucial for businesses to understand these risks and consider all financing options before choosing an MCA.

Prime Source Solution

Phone: 646-206-9605

Email: info@primesourcesolution.com

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