Exceptionally qualified
1.20×
Total repayment before additional fees
$60,000
$10,000 factor cost
MCA FUNDING · 10–15 MONTH TERMS
Merchant cash advance funding.Room to move.
The inventory. The next contract. The opportunity that won't wait. Get business funding with 10–15 month terms and a clear view of the cost.
FACTOR RATES AS LOW AS1.20×
Reserved for exceptionally qualified businesses.
1.32×Average factor
1.38×Program maximum factor
Factor rates are not APR. Final pricing and any additional fees are disclosed in your agreement.
10–15month terms
Daysto funding, if approved
0–2active MCAs to apply
Funding within days is possible after approval, verification and completed documents. Timing is not guaranteed.
FOR THE BUSINESS YOU'RE BUILDING
Your next move deserves a clear plan.
FROM FIRST LOOK TO FUNDING
How merchant cash advance funding works.
- 01
Tell us about your business
Start with your funding goal, revenue range and active MCA count. Then share your contact details so our team can follow up.
- 02
Review an offer you can understand
We review your business profile and documentation. Compare the actual factor, 10–15 month term, collection schedule and all fees before deciding.
- 03
Put your capital to work
Once approved and verified, complete the agreement. Funding can be completed within days when the file and closing requirements are ready.
KNOW THE NUMBERS
Merchant cash advance rates, made clear.
A factor rate multiplies your advance amount. Compare our minimum, average and maximum factors using the same amount. This illustration does not calculate APR or a payment schedule.
The calculator range is illustrative and does not set approval limits.
Average factor
1.32×
Total repayment before additional fees
$66,000
$16,000 factor cost
Program maximum factor
1.38×
Total repayment before additional fees
$69,000
$19,000 factor cost
Illustration, not a quote. Total repayment equals the advance multiplied by the factor. A factor rate is not APR or an annual interest rate and alone does not reflect the term or payment frequency. The 1.20× factor is reserved for exceptionally qualified applicants; 1.32× is the average and 1.38× is this program’s maximum factor. Any additional contract fees are excluded here. Approval, pricing and timing depend on review and the final agreement.
10–15 month terms. Review the actual payment frequency, total repayment, fees and reconciliation rights in your written offer.
Factor rate vs. APR, explainedA STRONG FIT STARTS HERE
Merchant cash advance requirements.
MCA funding is a short-term business financing option. A clear use for the money and enough cash flow to support the agreement matter more than moving quickly alone.
What we review
- An operating business with verifiable revenue and bank activity.
- Business history, credit profile and existing payment obligations.
- A specific business purpose: inventory, materials, payroll or an upcoming opportunity.
- Whether cash flow supports the proposed term and collection schedule.
02MAX. ACTIVE MCAs
More than two active MCAs? Do not apply for this program.
We accept eligibility requests with zero, one or two active MCAs. Every existing advance must be disclosed. A review does not guarantee an additional position.
Explore MCA consolidation insteadBE READY FOR REVIEW
A complete file keeps things moving.
Have recent business bank statements, basic ownership information and a current debt schedule available. If you have an existing advance, prepare its agreement and current balance. Our team will confirm the documents needed for your file; the first form does not ask for bank credentials or document uploads.
BEFORE YOU APPLY
Good questions. Clear answers.
Understand the structure, the cost and the next step.
Compare MCA and revenue-based financingWhat is a merchant cash advance?
A merchant cash advance, or MCA, provides business capital in exchange for an agreed portion of future business receivables. The contract sets the purchased amount, collection method, payment frequency and any reconciliation rights. Review those terms alongside the factor rate before accepting an offer.
Who qualifies for the 1.20× factor rate?
The 1.20× minimum is reserved for exceptionally qualified businesses. Review includes revenue consistency, business bank activity, operating history, credit profile and existing obligations. Our program's average factor is 1.32× and its maximum factor is 1.38×. Completing the eligibility form does not guarantee approval or a specific factor rate.
Can I get an MCA with a 10–15 month term?
This program offers 10–15 month terms, subject to qualification and the final agreement. Confirm the collection schedule, payment frequency, reconciliation provisions and total cost in writing. A longer term does not by itself mean lower total cost.
How quickly can my business get funded?
Funding can be completed within days for approved businesses with complete documentation. Timing depends on underwriting, verification, signed agreements and the funding provider. Start with accurate business information and have recent business bank statements and your current debt schedule ready.
Can I apply with existing MCAs?
You may request a review with zero, one or two active MCAs. Do not apply for this program if you have more than two active MCAs. All existing advances and payment obligations must be disclosed. Two existing MCAs do not guarantee approval for another advance; the review determines whether an appropriate structure is available.
Is a 1.20× factor the same as 20% APR?
No. Multiplying a $50,000 advance by 1.20 gives $60,000 in total factor-based repayment before any additional fees. APR is an annualized measure that also depends on timing, fees and the payment schedule. A factor rate alone cannot tell you the APR. Request the complete written cost disclosures before deciding.
Is this the same as MCA refinancing or consolidation?
This page is for businesses seeking merchant cash advance funding. If your main goal is to reduce pressure from existing advances, use our separate MCA refinance or consolidation review. The appropriate route depends on current balances, cash flow and available replacement terms.
YOUR BUSINESS. YOUR NEXT CHAPTER.
Make your next move a considered one.
10–15 month terms. A 1.32× average factor. A conversation grounded in your business.