Advance against future card sales
A purchase of future credit-card receivables - repayment scales with your daily sales.
An MCA is not a loan - it's the sale of a fixed dollar amount of future receivables at a discount. Repayment happens automatically as a percentage of daily card batches.
MCAs approve fast and don't require strong FICO, but they are the most expensive form of business capital. Use them only when you can't qualify for a loan product and the opportunity ROI clearly exceeds the cost.
Some funders offer prepayment discounts. Ask before signing.
Explore other financing options that pair well with Merchant Cash Advance.