Get the working capital you need in as little as 24 hours. No collateral, no long bank process. The Broker Shop connects you to the right funders so you get the best deal — completely free.
A simple, flexible way to access business capital based on your revenue — not your credit score.
A merchant cash advance (MCA) is a form of small business financing where a funder provides a lump sum of cash upfront. In return, you agree to repay the advance — plus a fee — through a fixed percentage of your daily credit card and debit card sales. Payments are automatic and flexible: when sales are slow, you pay less; when business is booming, you pay back faster.
Unlike traditional bank loans, MCAs don't require perfect credit, extensive paperwork, or weeks of waiting. They're one of the most accessible and fastest forms of business funding available — making them popular with restaurants, retailers, contractors, and any business that needs capital now.
Three simple steps from application to funded.
Fill out a short online form — business name, monthly revenue, how much you need. No formal credit approval. Takes about 2 minutes.
The Broker Shop submits your profile to our entire funder network and comes back with the best offers — ranked by rate and terms.
You choose the offer that works best for your business. Funds hit your account in as little as 24 hours. No surprises, no hidden fees.
Same-day and 24-hour funding — here's the realistic timeline.
Speed is the whole reason most owners choose an MCA. Because approval is based on your recent business bank statements and card sales — not a slow credit review — most applications are approved the same day you apply. Apply in the morning with clean, complete statements and same-day funding is common. Otherwise, funds typically arrive within 24 hours of approval, during banking hours.
Need capital today? See our same-day merchant cash advance guide for how to line everything up for a same-day approval.
Why MCAs are priced with a factor rate instead of an interest rate — and how to compare offers.
A merchant cash advance isn't quoted with an interest rate or APR. Instead it uses a factor rate — a simple decimal applied to the amount you receive. Multiply the advance by the factor rate to get your total payback. Example: a $50,000 advance at a 1.3 factor rate means you repay $65,000 in total. Factor rates commonly land somewhere between about 1.1 and 1.5, depending on your business.
A few things shape the number you're offered: your monthly revenue, time in business, industry, how consistent your deposits are, and whether you already have an open advance. Repayment is collected as a fixed slice of your daily sales — called the holdback — until the total is paid.
Because the cost is a fixed dollar amount rather than compounding interest, the smart move is to compare the total payback and holdback percentage across offers — not just the factor rate. That's exactly what The Broker Shop does for you. See how the numbers stack up in our MCA vs. business loan comparison.
What you typically need to qualify.
MCAs work best where revenue is steady and daily sales are strong. Businesses we fund most often:
Daily card sales make repayment smooth — ideal for shops, markets, and hardware stores stocking up on inventory.
Cover payroll, equipment, or a slow season. Steady card volume is exactly what MCA funders look for.
Parts, tools, and bay expansions — fast. Auto & body shop funding →
Chairs, stations, and marketing when you need it. Salon funding →
Bridge the gap between winning a job and getting paid — materials and crew up front, before the invoice clears.
High transaction counts fund fast. Coffee shop funding →
Don't see your industry? We fund most business types with consistent revenue. See all industries we fund →
Understand whether an MCA is the right product for your situation.
One application, every offer — and it costs you nothing.
You can apply to a single MCA funder and take whatever they offer. Or you can work with a broker who sends your profile to a whole network at once and brings back competing offers to choose from. The Broker Shop is that broker — the shop that shops the funders for you.
No obligation. No commitment. We show you every offer you qualify for — then you decide.
Pre-Qualify Now — It's Free →Everything you need to know before you apply.
Not sure an MCA is right for you? We offer every funding type.