The fastest path to working capital. A merchant cash advance gives you a lump sum today in exchange for a small, fixed percentage of your daily sales. No fixed monthly payments — repayment adjusts automatically to your revenue. Funded as fast as the same day you apply.
A merchant cash advance (MCA) is not a loan — it's a purchase of your future receivables. A funding company gives you a lump sum of capital today, and in return, they collect a fixed percentage of your daily credit card sales or bank deposits until the agreed-upon amount is repaid.
Because repayment is tied to your daily sales, there's no fixed monthly payment. On strong days you repay more; on slow days you repay less. This makes MCAs especially popular with restaurants, retail stores, and seasonal businesses where revenue fluctuates significantly.
MCAs are the fastest and most accessible form of business funding available. Many MCA providers can approve and fund in the same day, and credit requirements are significantly lower than traditional loans — often approving borrowers with FICO scores as low as 500.
At Blackburn Business Capital, we match your application against 100+ MCA and alternative lending partners to ensure you get the most competitive factor rate and holdback percentage available for your business profile.
2-minute application. Basic business info.
We match you with the best lender from 100+ partners.
Compare terms and pick the best deal.
Funds deposited as fast as 24 hours.
No impact to your credit score
Equipment broke. A pipe burst. Your biggest employee quit. When you need cash TODAY, not in two weeks, an MCA delivers same-day funding.
Stock up before your busy season, sell through it, and let the daily repayment match your sales as revenue peaks. Natural cash flow alignment.
The bank said no. Your credit isn't perfect. You have tax liens or a past bankruptcy. MCAs approve borrowers that no other product will touch.
Revenue is coming but payroll is due Friday. An MCA bridges the gap so your team gets paid while you wait for receivables to clear.
A competitor is going out of business and selling their client list. A supplier offers a one-time bulk discount. Speed wins — an MCA lets you act immediately.
Catering a big event. Landing a large contract. Opening for tourist season. Use an MCA to prepare for a revenue spike that will easily cover the advance.
Apply in the morning, get funded by afternoon. No other business capital product moves this fast. Period.
A fixed percentage of daily sales — not a fixed monthly payment. Your repayment automatically adjusts to your business performance.
Bad credit, past bankruptcies, tax liens — MCAs focus on your daily revenue, not your credit history. If your business makes money, you can qualify.
3 months of bank statements and an ID. That's it. No tax returns, no financial statements, no business plan. Apply in under 2 minutes.
Your future sales are the basis for the advance. No liens on your property, no pledging equipment, no risking personal assets.
After repaying a portion of your advance (typically 50-60%), you may qualify for a renewal at a higher amount. Top performers can access multiple positions.
No. An MCA is a purchase of future receivables — the funding company is buying a portion of your future sales at a discount. This distinction matters legally and structurally: MCAs don't have interest rates (they use factor rates), they don't have fixed terms (repayment depends on your sales velocity), and they're not regulated the same way as loans.
A factor rate is a multiplier applied to your advance amount to determine your total payback. For example, a $50,000 advance with a 1.3 factor rate means you repay $65,000 total ($50,000 x 1.3). Factor rates typically range from 1.1 to 1.5 depending on your risk profile, revenue consistency, and the funder.
The daily holdback (or retrieval rate) is typically 10-20% of your daily deposits. So if your business deposits $2,000 per day and your holdback is 15%, $300 would be automatically debited for repayment. On days you make more, you repay more. On slow days, you repay less.
Yes — this is one of the biggest advantages of an MCA. Many funders approve borrowers with FICO scores as low as 500. Some work with active bankruptcies, tax liens, and judgments. The primary qualification is your business's daily revenue — if money is consistently flowing through your bank account, you can likely get funded.
They're very similar in practice. The traditional distinction is that MCAs collect from credit card sales specifically, while revenue-based financing (RBF) collects from total bank deposits via ACH. Today, most funders use ACH regardless of what they call the product. We list both on our site because business owners search for both terms. In either case, we'll find you the best terms available.
Some MCA funders offer early payoff discounts, while others require you to pay the full factor rate regardless of when you pay. We prioritize matching you with funders who offer fair early payoff terms. Always ask about early payoff before accepting — and your Blackburn funding advisor will make sure these terms are clear.
Yes — this is called "stacking." Many businesses carry 2-3 MCA positions simultaneously. However, each additional position increases your daily repayment burden, so it's important to make sure your cash flow can support multiple holdbacks. We help you evaluate whether stacking makes sense or if consolidating into a single, larger advance would be more cost-effective.
An MCA is right when you need capital fast, your credit isn't strong enough for traditional loans, and you have consistent daily revenue. It's typically NOT the right choice if you qualify for a term loan or SBA loan, as those offer lower costs. At Blackburn, we always try to match you with the lowest-cost option first — and only recommend an MCA when it's the best available solution for your situation.
Need capital today? Apply now and get matched with the most competitive MCA terms from our network of 100+ funding partners. Same-day funding available.