The case in four points.
Same-week funding
Most MCAs approve in 24 to 48 hours and fund two to three business days after you sign. This is the fastest product on the menu.
Credit flexibility
Underwriters care more about your deposits and card volume than your FICO. Approvals routinely happen below 600.
Repayment moves with sales
Slow week, smaller draw. Strong week, faster paydown. You are not stuck with a fixed monthly payment you cannot make in a bad month.
No collateral
MCAs are unsecured. No liens on equipment, real estate, or personal assets.
The process. Step by step.
Short application
Business, monthly revenue, processor or bank. That is the intake.
Statement upload
Three to six months of bank or processing statements. Most clients pull these in five minutes.
Offer in 24 hours
Underwriting comes back inside one business day with factor rate, term, and daily holdback laid out clearly. No buried math.
Funded
Sign electronically. Funds land in two to three business days. Repayment starts the next business day.
Probably you, if any of these are true.
- Businesses with $15K+ in monthly revenue and consistent deposits
- Operators who need capital this week, not next month
- Founders whose credit profile would stall a traditional loan
- Restaurants, retail, and e-commerce with strong card volume
- Anyone bridging a known cash crunch or seasonal swing
Track record
By the numbers
$10K – $500K
Typical advance size
24 – 48 hr
Time to approval
3 – 18 mo
Typical term
550+
Min credit considered
Things people ask first.
Technically, no. An MCA is the purchase of a portion of your future receivables at a discount. The practical effect is close to a loan, but the pricing math is different. Your underwriter walks through the real cost in plain dollars before you sign anything.
MCAs price as a factor rate, for example 1.20 to 1.45, not an APR. We always translate factor rate into total dollar cost and effective APR so you can compare it directly against a term loan or line of credit.
We pull soft to qualify. Funded MCAs typically do not report to consumer credit bureaus, so the advance itself does not show on your personal report.
Most clients go from application to funded in two to four business days. Statements ready and docs back same-day usually means funded the next.
Depends on speed, credit, and what the money is for. MCAs win on speed and on lenient credit. Lines of credit win on cost. Your underwriter will point you to the one that fits. That is the job.
Need capital this week, not next month?
One short application. Statements uploaded. MCA offer back inside one business day.
Soft credit pull. No hard inquiry unless you accept terms.