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CORE FACILITY

Merchant cash advance

You sell a slice of your future receivables at a discount and repay as the money comes in. It is a purchase of receivables, not a loan, and it is priced differently than one. It is the fastest capital in the market and the most expensive — we'll show you exactly how much before you sign.

Size
$10,000 – $500,000
Term
4 – 15 months
Speed
1 – 3 business days
Best for
Revenue-strong, credit-thin files
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What this actually costs

Amount funded
$100,000
Total dollar cost
$30,000
Payment schedule
$2,600 weekly for 50 weeks
Annualized rate
56.4% APR equivalent

Illustrative only. Your actual terms depend on your business and the funder.

How it works

  1. 01

    You send four months of statements

    The funder underwrites deposits, not credit score. Consistency matters more than size.

  2. 02

    You get a purchase amount and a factor

    The funder buys, say, $130,000 of future receivables for $100,000 today. That $30,000 gap is the cost.

  3. 03

    You repay as you get paid

    A fixed daily or weekly remittance, or a percentage of card deposits. Payments track your revenue.

  4. 04

    You finish and decide what's next

    Most operators either finish clean or refinance into a cheaper term facility once the file has seasoned.

The market quotes advances as a factor rate — 1.30, 1.38, 1.45. That is not an interest rate and it cannot be compared to one. A 1.30 factor on $100,000 means you repay $130,000. Because you repay it over months, not years, the true annualized cost is far higher than the factor makes it look. We convert it for you on every quote, in writing, before you sign.

When it fits

  • Your deposits are steady but your credit is thin or bruised.
  • You need money this week for something that pays you back quickly.
  • A specific job, order, or repair will generate the revenue to cover the remittance.
  • You've been turned down by a bank because the business is under two years old.

When it's the wrong tool

  • You're using it to pay off another advance. This is how operators lose businesses.
  • Your credit and financials qualify you for a term loan — take the cheaper money.
  • The revenue that repays it is a hope, not a contract.
  • Your margin is thinner than the daily remittance. Do the arithmetic with us first.

Common uses

  • A contractor mobilizing on a job that pays in 60 days.
  • A trucking outfit covering a blown engine on a revenue tractor.
  • A restaurant covering payroll through a slow February with a booked spring.
  • A distributor buying inventory ahead of a season that's already ordered.
  • A shop replacing a lift that's costing it bays every week it's down.

Compare

Other tools worth a look.

Term Loan

If your credit is stronger, look at a term loan first — it costs less.

Flex Line of Credit

If the gap is recurring rather than one-time, a line is the better shape.

Questions

Is a merchant cash advance a loan?
No. It's a purchase of your future receivables at a discount. That distinction is legal, not cosmetic — it's why advances aren't quoted as interest rates and why the rules around them differ. It also typically costs more than a term loan.
What's a factor rate?
It's a multiplier on the amount funded. A 1.30 factor on $100,000 means you repay $130,000. It is not an APR and it is not comparable to one. We convert every factor into a total dollar cost and an annualized equivalent.
What happens if my revenue drops?
Call us the day you see it, not the week after. Some structures flex with deposits, some don't. Funders will often work with an operator who calls early and almost never with one who goes quiet.
Can I pay it off early?
Sometimes at a discount, sometimes not — an advance's cost is fixed at purchase, so early payoff doesn't automatically save you money the way it would on a loan. We ask for the early-payoff terms in writing on every option we send.
Will you stack a second advance on top?
No. Stacking is the single fastest way to kill an otherwise healthy business, and we won't book revenue doing it.
Does this affect my personal credit?
Seeing options generally doesn't require a hard pull. Some funders pull at the final stage. We tell you before anyone does.

See what you'd actually pay.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

Apply for fundingCompare all 7 options

FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.