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Fastest money, highest cost

Merchant Cash Advance & Working Capital — Same-Day Funding, No Minimum FICO

A merchant cash advance is not a loan. You sell a slice of your future revenue at a discount and repay through a fixed daily or weekly debit until the agreed total is delivered. It is the fastest capital in the market and the most expensive. We will tell you that plainly, and we will show you the real number before you sign anything.

Check my options — free Run the numbers

Program guidelines

Amount$10,000 – $5,000,000
TermFlexible (revenue-based)
SpeedSame day
CreditNo minimum
Time in business4+ months
Revenue$10,000/mo ($120K/yr)

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • A genuine emergency where being funded today is worth paying more
  • A short, high-return use of cash — an inventory buy you will turn in 45 days
  • Businesses with no minimum credit score who have been declined everywhere else
  • A bridge you have a concrete plan to refinance out of

How it works

  1. Three months of bank statements is normally the entire file.
  2. An offer comes back as an amount, a factor rate, and a debit frequency — not an APR.
  3. Convert the factor rate to a real cost before you agree: amount x factor rate = total payback.
  4. Funding can be the same day.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Merchant Cash Advance — straight answers

How much does a merchant cash advance really cost?
Multiply the advance by the factor rate to get total payback. $50,000 at 1.35 = $67,500, so the cost of capital is $17,500. Divide by the real repayment period to see the annualized cost — it is usually far above a term loan. Our calculator does this for you.
Can I get funded with bad credit?
Yes. There is no minimum FICO on these programs. What matters is 4+ months in business and at least $10,000 a month in deposits.
Should I take an MCA?
Only if the speed is worth the price, or you have been declined for everything cheaper. We will tell you honestly if a term loan or a line of credit is the better fit — including when that means a smaller commission for us.

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See if you qualify for merchant cash advance

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options

Checking your options does not affect your business credit. A soft review only.