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Merchant Cash Advance

A merchant cash advance is when a business gets a chunk of money upfront in exchange for a percentage of its future sales. Instead of making fixed payments, the lender takes a small cut of the business's daily credit and debit card transactions until the loan is paid off.

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What is a Merchant cash advance (MCA)?

A merchant cash advance (MCA) is a type of business financing where a company gets a lump sum of cash upfront. In return, the business agrees to repay the advance, plus a fee, by giving the provider a percentage of its daily credit and debit card sales until the full amount is repaid. It's often used by businesses that need quick access to funds and may not qualify for traditional bank loans.

Customer making a contactless payment with a credit card at a modern checkout counter, with sunglasses resting on the counter.
Interior of a cafe with wooden tables and chairs, a display case with baked goods, and artworks on the wall. A white chandelier hangs from the ceiling, and the background features a textured beige wall with framed artwork.
A vintage white three-wheeled ice cream truck with a sign reading 'The Little Cafe' parked on a street with green trees and a cream-colored brick wall in the background.
Comparison chart of funding options: 24HourFunding, Bank, and Direct Lenders. Highlights include paperwork requirements, application process, number of lenders, service level, approval process, speed to funding, collateral requirements, business profitability, credit score, and credit check.

10 Reasons Why 24HourFunding Offers
the Best Small Business Financing

What You Need To Get Started

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Minimum Qualifications

No Minimum Credit Score

At Least 6 Months in Business

$25,000 in Monthly Revenue

What You Need To Apply

Basic information about your business

6 months of business bank statements