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Business details and the amount you need.
Funding option
Merchant Cash Advance
Fast capital based on your sales, not your credit score. An advance against future sales, repaid automatically from deposits — built for speed and flexible credit.
Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026
- Funding amount
- $10K – $500K
- Speed to funding
- As fast as 24 hours
- Typical term
- Typically 3–15 months
- Typical cost
- A fixed total payback set by a factor rate (commonly about 1.15–1.50); among the most expensive forms of business funding
Overview
Is merchant cash advance the right fit?
A merchant cash advance (MCA) is not a loan: a provider buys a portion of your future receivables at a discount and collects it through daily or weekly debits. Approvals focus on deposits and sales history, which makes it reachable for businesses that don't fit bank criteria — at a higher cost.
- Urgent needs where speed matters most
- Businesses with strong deposits but limited credit
- Short-term opportunities with a clear return
Pros
- Very fast decisions
- Flexible credit requirements
- No specific collateral
Cons
- High total cost — compare carefully
- Daily or weekly debits affect cash flow
- Stacking multiple advances can become unmanageable
How it works
From application to funded in four steps
Statement review
Providers review recent deposits to size the advance.
Compare offers
Your specialist shows the total payback, factor rate and payment for each offer — and whether a cheaper product fits.
Get funded
Sign with the provider you choose; funds can arrive in as little as one business day.
Typical time to funding for this program: as fast as 24 hours.
Merchant Cash Advance FAQ
Is a merchant cash advance a loan?
No. Legally it is usually structured as a purchase of future receivables, which is why it is priced with a factor rate instead of an interest rate. Use our factor rate calculator to see the equivalent cost.
Why would I choose an MCA over a loan?
Speed and accessibility. If you qualify for a line of credit, term loan or SBA loan, those are usually cheaper — and your specialist will tell you when that is the case.
Can I take a second advance?
Taking a new advance while one is still open (stacking) increases daily debits and risk. We review existing positions before recommending any additional funding.
Other funding options
Business Line of Credit
Draw only what you need, when you need it. Revolving capital that refills as you repay.
Learn moreWorking Capital
Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.
Learn moreTerm Loan
A lump sum with fixed payments and clear terms for planned expansion or big purchases.
Learn moreTell us about your business
A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.
- Checking your options won't affect your credit
- You talk to one specialist, not a call center
- Many decisions come within 24 to 48 hours