Get the Cash Flow You Need with Merchant Cash Advances
At NonBank Business Loans, we provide businesses with a fast and flexible way to access working capital through Merchant Cash Advances. Unlike traditional loans, a Merchant Cash Advance (MCA) gives you immediate funding based on a percentage of your future sales, making it easier to repay during slow business periods. Get approved in minutes and receive funding on the same day. No collateral or lengthy paperwork required—just fast, simple financing to help your business grow.
Unlock Fast, Flexible Funding to Keep Your Business Running Smoothly
How Merchant Cash Advances Work for Your Business
A Merchant Cash Advance is an excellent solution for businesses that need quick cash to handle day-to-day operations, growth, or unforeseen expenses. With a Merchant Cash Advance, you receive funding upfront, and repayment is made by withdrawing a percentage of your credit sales on a daily basis. Whether business is booming or slowing down, your repayment will adjust based on your sales, ensuring flexibility and ease.
Simple Application Process
Complete our quick, 15-second online application to get started. It’s easy, fast, and doesn’t require mountains of paperwork.
No Collateral Required
Merchant Cash Advances don’t require collateral, making them a great option for businesses that may not have assets to pledge for a loan.
No Fixed Payments
Repayment is tied to your daily credit card sales, meaning you pay more during busy times and less when sales are slower, offering you more flexibility.
Fast & Flexible Funding
Access the funds you need quickly—same-day funding in most cases, so you can keep operations moving without delay.
No Minimum Credit Score
Bad credit? No problem! We offer financing options with no minimum FICO score requirement, making this solution accessible for businesses of all credit types.
What You Need to Qualify for a Merchant Cash Advance
Time in Business
To qualify, you’ll need to have been in business for at least 4 months. This ensures that your business has a track record of consistent revenue.
Monthly Gross Sales
Your business must have a minimum of $10,000 in monthly gross sales or $120,000 annually to qualify for a Merchant Cash Advance.
No Minimum Credit Score
There’s no minimum credit score required to apply. Whether your credit is great or needs improvement, you can still qualify for funding.
Fast, Flexible, and Transparent Financing for Your Business
Why Choose NonBank Business Loans for Your Merchant Cash Advance
At NonBank Business Loans, we offer a straightforward process for businesses to access the capital they need. With our Merchant Cash Advance option, you can unlock fast funding based on your credit card sales, making it a flexible choice for businesses of all types. Here's why businesses trust us:
Same-Day Funding
Receive your funding the same day you apply, so you can focus on running your business without delays.
Flexible Repayment
Repayment is tied to your daily sales, so you can pay more during busy periods and less when sales are slower, giving you more flexibility.
Simple and Fast Application
Our easy application process takes just minutes to complete, with minimal paperwork and no long waits.
Transparent Terms
We pride ourselves on transparency—what you see is what you get. There are no hidden fees or surprises in our financing options.
Step 1: Apply Online
Submit a quick online application with just a few details about your business. It only takes minutes!
Step 2: Review Your Options
Our team will match you with the best Merchant Cash Advance offer based on your sales. We’ll help you review the terms and find the best fit.
Step 3: Receive Your Funds
Once approved, we’ll fund your account quickly, often on the same day, so you can keep your business running smoothly.
Follow These 3 Easy Steps to Secure Your Funding
Getting Your Merchant Cash Advance is Simple
At NonBank Business Loans, we’ve streamlined the process of securing a Merchant Cash Advance. Follow these 3 simple steps to get the funds you need quickly.
Frequently Asked Questions
Q1. What is a Merchant Cash Advance?
A Merchant Cash Advance is an advance of funds based on your future credit card sales, allowing you to get cash upfront. Repayment is made by withdrawing a percentage of your daily credit sales.
Q2. How does a Merchant Cash Advance work?
You receive a lump sum payment upfront and repay it by automatically withholding a percentage of your daily credit sales until the advance is paid off.
Q3. How quickly can I receive my funds?
You can receive your funds in as little as the same day, giving you immediate access to the cash you need for your business.
Q4. What do I need to qualify for a Merchant Cash Advance?
To qualify, you need at least 4 months in business, $10,000+ in monthly gross sales, and no minimum credit score required.
Q5. How is repayment determined?
Repayment is based on a percentage of your daily credit card sales, so the repayment adjusts with your business's revenue. The more you sell, the faster you pay it off.
Q6. Can I use a Merchant Cash Advance for anything?
Yes! You can use the funds for any business purpose, including inventory purchases, payroll, expansion, marketing, or other operational costs.
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