Merchant Cash Advance Up to $2M
Get approved in 24 hours. No collateral. Bad credit welcome.
Prime Business Care provides fast merchant cash advance funding from $10,000 to $2,000,000. Our MCA program approves based on your business revenue, not your credit score — making fast capital accessible even if banks have said no.
What Is a Merchant Cash Advance?
A merchant cash advance (often called an MCA) is a form of business financing where a funder provides your company with a lump sum of capital in exchange for a percentage of your future revenue. Unlike a traditional bank loan, an MCA is not technically a loan — it's a purchase of your future receivables at a discount.
This distinction matters because it changes how the product is structured, approved, and repaid. MCA funding is repaid through daily or weekly automatic deductions from your business bank account or credit card sales, meaning payments flex with your actual revenue. This structure makes the product ideal for businesses with consistent deposits but imperfect credit, or those who need capital faster than a bank can provide.
At Prime Business Care, we specialize in fast MCA approvals — getting you from application to funded in as little as 24 hours. Our program is built around real-world business needs: cash flow gaps, inventory purchases, expansion opportunities, and emergency working capital.
How a Merchant Cash Advance Works
The MCA process is designed for speed. Here's exactly how you go from application to funded in 24 to 48 hours.
Apply in 5 Minutes
Submit a short application with basic business information. No tax returns or financial statements required upfront.
Send Bank Statements
Provide 3 to 6 months of recent business bank statements. We analyze revenue, deposits, and cash flow patterns.
Review Your Offer
Get matched with MCA offers within 24 hours. Compare factor rates, terms, and payment structures.
Get Funded
Accept your chosen MCA offer. Funds wire to your business account within 24 to 48 hours of signing.
Merchant Cash Advance Terms Explained
Understanding these terms helps you compare MCA offers and negotiate the best deal for your business.
Factor Rate
The total cost of your MCA expressed as a decimal multiplier. A factor rate of 1.25 on a $100,000 advance means you'll repay $125,000 total. Factor rates typically range from 1.15 to 1.50 depending on risk profile.
Holdback Percentage
The percentage of your daily credit card sales or bank deposits automatically withheld to repay the advance. Typical holdbacks range from 8% to 25% of daily revenue until the MCA is paid in full.
Buy Rate
The funder's wholesale factor rate before broker commission is added. If the buy rate is 1.20 and the commission is 5 points, the merchant's factor rate is 1.25.
ACH vs Split Funding
Two main repayment methods. ACH pulls a fixed dollar amount daily from your bank account. Split funding takes a percentage directly from credit card processor settlements.
Specified Percentage
The portion of future revenue you're selling to the funder. Unlike a fixed loan payment, this adjusts with your actual revenue — slower days mean smaller payments.
Early Payoff Discount
Some MCA contracts offer reduced factor rates if you pay off the advance early. Ask your funder about early payoff options before signing.
Merchant Cash Advance vs. Business Loan
Understanding the differences between an MCA and a traditional business loan helps you choose the right financing for your situation.
Merchant Cash Advance Pros and Cons
An honest look at the advantages and tradeoffs of MCA funding so you can make an informed decision.
Advantages
- Approval in 24 hours or less — fastest business funding available
- Credit scores as low as 500 accepted
- No collateral or personal guarantees required
- Payments flex with your revenue — slower days mean smaller payments
- Minimal paperwork — just bank statements, no tax returns
- Use funds for any business purpose
- Renewable once 50% paid down, often with better rates
- Available to industries traditional banks decline
Tradeoffs to Consider
- Higher total cost than traditional business loans
- Daily or weekly payments can impact cash flow
- Factor rates don't decrease with early payoff (unless negotiated)
- Not reported to credit bureaus — doesn't build business credit
- Can create dependency if stacked or used for non-ROI purposes
- Best used for short-term, revenue-generating opportunities
- Not regulated the same way as traditional loans
- State disclosure laws vary (NY, CA, VA, UT require disclosure)
Who Qualifies for a Merchant Cash Advance?
MCA approval is based on your business's actual performance — revenue, deposits, and cash flow patterns — rather than credit score alone. Here's what you need to qualify.
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$10,000+ Monthly Revenue
Minimum $10K in monthly business revenue. Higher revenue unlocks larger MCA amounts.
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6+ Months in Business
Most funders require at least 6 months of operating history. Some require 1 year.
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Business Bank Account
Active business checking account with regular deposits from operations.
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500+ Credit Score
We accept personal credit scores as low as 500. Lower scores = higher factor rates.
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Consistent Deposits
Regular deposit activity shows us reliable revenue — not huge swings or negative days.
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No Open Bankruptcies
Dismissed or discharged bankruptcies typically OK. No currently open proceedings.
Industries We Fund with Merchant Cash Advances
Prime Business Care funds MCAs across virtually every industry, including many that traditional banks decline. If your business generates consistent revenue, we can likely fund you.
Why Choose Us for Your Merchant Cash Advance
The MCA industry is crowded. Here's what makes Prime Business Care different from the 500+ MCA funders and brokers competing for your business.
Fastest Funding Speed
Same-day approvals on most applications. Funds wired within 24 hours of signed contract — not days or weeks like other MCA providers.
Renewal-Focused Program
We build long-term relationships. Our renewal program offers better factor rates as you prove reliability — rewarding loyalty instead of punishing it.
Bad Credit Welcome
500+ FICO scores accepted. Past bankruptcies, tax liens, and defaults are reviewed individually — we don't auto-decline the way banks do.
No Collateral Required
Zero collateral or personal guarantees on most deals. Your advance is based on revenue, not personal assets on the line.
Transparent Pricing
Clear factor rates and holdback percentages upfront. No hidden fees, no surprise stipulations, no bait-and-switch tactics at funding.
Dedicated Specialist
Work with one funding specialist from application through funding and renewal. No passing between reps, no lost information, no runaround.
Merchant Cash Advance FAQ
Common questions about MCA funding, qualification, rates, and repayment.
What is a merchant cash advance?
A merchant cash advance (MCA) is a form of business financing where a funder provides a lump sum in exchange for a percentage of your future revenue. Unlike a traditional business loan, an MCA is repaid through daily or weekly deductions from your business bank deposits or credit card sales, making it ideal for businesses with consistent revenue but less-than-perfect credit.
How fast can I get a merchant cash advance?
Most MCAs through Prime Business Care are approved within 24 hours, with funds deposited in your business account within 24 to 48 hours of approval. Some applications can be funded same-day depending on deal size and documentation completeness.
Can I get a merchant cash advance with bad credit?
Yes. MCAs are based primarily on your business revenue and cash flow, not your personal credit score. Prime Business Care regularly approves merchants with FICO scores as low as 500, as long as your business has consistent monthly deposits and healthy bank account activity.
What are typical MCA factor rates?
MCA factor rates typically range from 1.15 to 1.50, meaning for every $1.00 advanced, you'll repay between $1.15 and $1.50 total. The exact rate depends on your business revenue, time in business, industry, and credit profile. Higher-risk profiles receive higher factor rates.
Do I need collateral for an MCA?
No. MCAs are unsecured funding based on your future revenue. You don't need to pledge real estate, equipment, or other business assets. Approval is based on your business's cash flow and deposit history, not collateral.
How much MCA funding can I qualify for?
Advance amounts typically range from 80% to 150% of your average monthly revenue. If your business generates $50,000/month, you could qualify for $40,000 to $75,000. Prime Business Care offers funding from $10,000 to $2,000,000 based on qualifying revenue.
How do MCA repayments work?
Repayments are typically collected automatically via daily or weekly ACH debits from your business bank account. The amount is a fixed percentage of your deposits, meaning payments adjust with your revenue — lower revenue days mean smaller payments. Some advances use credit card split withholding instead.
Can I renew or refinance a merchant cash advance?
Yes. Most merchants become eligible for renewal after paying down 50% to 75% of their current balance. Renewals often come with better factor rates because you've built a payment history. Prime Business Care offers renewal options and can also refinance existing advances into better terms through our reverse consolidation program.
Apply for a Merchant Cash Advance Today
Get a decision in 24 hours. No credit impact on your initial application. Find out how much your business qualifies for.
Start Your Application