How a merchant cash advance can help your business

Fast working capital for card-sales businesses

Funding in as little as 24 hours

Repayment scales with your revenue

Automatic daily or weekly repayment

A merchant cash advance gives your business fast working capital by advancing funds against your future card sales — it’s a purchase of receivables, not a traditional loan. Whether you’re covering payroll, restocking inventory, or bridging a slow season, a business cash advance can put capital in your account quickly. Repayment happens automatically as a fixed percentage of your daily or weekly card sales, so payments rise and fall with your revenue instead of staying fixed.

Unlike a term loan, a merchant cash advance is priced with a factor rate rather than an APR, and there’s no fixed monthly payment schedule to manage. If your business has strong, consistent card-sales volume but a thinner credit history, a business cash advance can be easier to qualify for than a traditional bank loan. Our process is simple, and funding can happen in as little as 24 hours.

Smarter Credit is a marketplace, not a direct funder — we connect your business to a network of funding providers so you can see what a merchant cash advance could look like for your business without shopping every funder yourself. Our team has earned a reputation for informative advice and straightforward guidance to help business owners manage their working-capital needs.

For more information call us today at 888-562-6766 or click on the CHECK YOUR RATE button at the top of the page for free evaluation.

Application Process

1

Apply online or with a dedicated funding specialist

You can apply online or with a dedicated funding specialist. We recommend having the necessary documents on hand to make the process even faster (i.e. driver’s license or passport for the business owner, copies of business bank statements).

2

Review by dedicated funding specialist

A dedicated funding specialist will carefully review your business financing application and reach out if we need any additional information. Once a funding decision has been made your dedicated funding specialist will reach out to you with funding options if approved.

3

Get Funded

If approved and you accept an offer funds will be sent to the business bank account provided. You could have your loan funds in as quick as 24 hours.

Merchant Cash Advance FAQs

What is a merchant cash advance?

A merchant cash advance (also called a business cash advance) is an advance against your future card sales. Rather than fixed monthly loan payments, you repay a set percentage of your daily or weekly card revenue, so it is structured as a purchase of future receivables rather than a traditional loan.

How do factor rates work?

An MCA is priced with a factor rate — a multiplier on the advance amount — not an APR. For example, a $50,000 advance at a 1.3 factor rate means $65,000 total repayment. Because it isn’t an interest rate, compare offers by total cost, not APR.

How is a merchant cash advance repaid?

Repayment is automatic: a fixed percentage of your daily or weekly card sales is remitted until the advance is satisfied. When sales are slower, the dollar amount collected is smaller, so payments scale with your revenue.

Who is a merchant cash advance best for?

Businesses with strong, consistent card-sales volume that need fast working capital — especially those with thinner credit history who may not qualify for a traditional term loan. Retailers, restaurants, and seasonal businesses are common fits.

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