Business Funding
Merchant Cash Advance & Revenue-Based Funding
Alternative business funding that may provide access to capital based substantially on business revenue and cash flow — not solely on traditional credit metrics.
See My Funding Options →How it works
A merchant cash advance (MCA) is generally a commercial purchase transaction — the provider purchases a portion of your future receivables at a discount. Repayment is typically tied to a percentage of daily card sales or bank deposits, so it flexes with your revenue. Revenue-based financing (RBF) applies a similar principle to overall business revenue.
When it may fit
MCA and RBF can be relevant when speed matters, when traditional bank financing isn't available, or when revenue is strong but time-in-business or credit history is shorter. They are not traditional loans and carry different cost structures.
What to understand
- MCA/RBF are generally commercial purchase transactions, not traditional loans, where legally applicable.
- Cost is expressed as a factor rate, not an APR — total cost differs from interest-rate products.
- Repayment flexes with revenue but can be frequent (daily or weekly).
- Terminology and disclosures vary by provider and jurisdiction.
Curious whether MCA or RBF fits your situation?
Submission does not guarantee approval, funding, rates or terms. All financing is subject to underwriting and provider approval.
SEE MY FUNDING OPTIONS →