What Is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) provides quick working capital, repaid through a percentage of future credit and debit card sales. Payments adjust with your cash flow, making it a flexible option for small businesses that need fast funding without strict bank requirements.

Benefits of a Merchant Cash Advance

  • Fast Funding – Access $10,000 to $5,000,000, often with same-day funding.

  • No Minimum Credit Score – Approval is based on sales volume, not personal credit.

  • Easy Qualification – Just 4+ months in business and $10,000+ in monthly sales.

  • Flexible Repayment – Payments align with your daily sales, easing pressure during slower periods.

  • Simple Application – A quick online form with pre-approval in minutes.

How It Works

Apply Online

Complete our secure application in minutes for Fast pre-approval.

Review Options

Your funding advisor will help you compare flexible funding offers.

Receive Your Funds

Get cash in as soon as the same day and put it to work for your business.

Get the working capital you need to keep your business moving forward.

Your Growth, Funded. Your Future, Secured.

Partner with Prosper Smarter for fast funding, personalized strategies, and lasting financial success.

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