Merchant Cash Advances
Merchant Cash Advances — Capital That Moves With Your Sales
A merchant cash advance provides capital based on your business revenue. Repayments flex with your daily or weekly sales, making it ideal for businesses with fluctuating income — fast, flexible, and aligned with your cash stream.
A great fit for
- Restaurants and retail
- Seasonal businesses
- Fast turnaround needs
- Businesses declined by banks
How a Merchant Cash Advance Works
A merchant cash advance (MCA) provides an upfront lump sum of capital in exchange for a fixed percentage of your future credit card and debit card sales. Because repayment fluctuates with your daily sales volume, an MCA naturally adjusts to the rhythm of your business — you remit more when sales are strong and less during slower months.
That flexibility makes merchant cash advances one of the most popular funding options for restaurants, retailers, salons, and other businesses with steady card revenue but limited collateral. There is no fixed monthly payment to strain your budget and no real estate lien required.
Fast, Unsecured Funding — Even With Imperfect Credit
Qualification is based on your revenue, not just your credit score — Encore considers scores from 500+ and funds most approved MCAs within the same week, often within 24 hours. If your business has been declined by a bank, an MCA can be the fastest path to the capital you need.
Apply online in five minutes or call (888) 550-9339 to see how much your future sales can unlock today.
Not sure this is the right program? Our team will match your scenario against every in-house program and our lender network — one application, all options.