FundWave Loans
Fast Business Funding

Merchant Cash Advance

Get up to $2M based on your daily sales. No fixed payments. Repayment moves with your revenue so you're never stretched thin.

Apply NowCall (516) 406-1476

$5K–$2M+

Funding Range

24 hrs

Approval Time

Same Day

Funding Speed

No Min.

Credit Score

What Is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) provides a lump sum of capital in exchange for a percentage of your future daily sales. Instead of fixed monthly payments, you repay through a small daily or weekly deduction from your business bank account — so repayment naturally slows when business is slower.

MCAs are ideal for businesses that need fast capital, have consistent revenue, and may not qualify for traditional bank loans due to credit history, time in business, or industry type.

Key Benefits

No collateral required
No fixed monthly payments — repayment moves with revenue
Approvals in as little as 4 hours
All industries considered, including restaurants, retail, and trucking
Bad or limited credit OK
Funds deposited same or next business day

Eligibility Requirements

Time in Business6+ months
Monthly Revenue$10,000+ per month
Business Bank AccountRequired
Industry RestrictionsVery few
Hard Credit PullNot required upfront
CollateralNot required

How It Works

  1. 1Complete our 3-minute online application
  2. 2Submit 3 months of bank statements
  3. 3Receive an offer within 24 hours
  4. 4Accept and sign — funds hit your account same day

Ready to Apply for a Merchant Cash Advance?

No hard credit pull. Decisions in 24 hours. Funds as fast as today.

Start Application