Merchant Cash Advances

Get quick working capital based on your card sales. A Merchant Cash Advance gives you a lump sum today and collects a small, agreed-upon percentage of future receipts so payments flex with your revenue. Flowrise Funding lines up clear offers fast.

Merchant Cash Advance for Small Business

A Merchant Cash Advance provides fast access to working capital based on your daily card sales. You receive a lump sum upfront, then repay through a small percentage of future receipts so payments rise and fall with your revenue.

It’s ideal for handling short-term expenses, restocking inventory, covering payroll, or managing slow periods without taking on long-term debt. Flowrise Funding connects you with lenders who move quickly, offering clear terms and funding in as little as 24 hours.

Quick, flexible, and built for momentum an MCA helps your business stay powered and prepared.

How Flowrise Funding Merchant Cash Advance Works

We keep the steps simple. You run the business; we package and place your file.

Apply

Share a short snapshot of monthly card volume, bank statements, and use of funds. Get a quick prequalification range and transparent cost estimate.

Select Funding Type

Review side-by-side offers advance amount, factor rate, holdback percentage, and projected payoff window. Pick the merchant cash advance for small business structure that fits your sales rhythm.

Approved Funds

We finalize underwriting with the chosen provider and wire the advance often within 24,48 hours after approval.

Repayments

A small percentage of future card sales (or fixed ACH debits) pays down the balance. As revenue rises or dips, your remittance adjusts automatically.

Where To Get Merchant Cash Advances In the United States

Who Apply for Small Business SBA Loan Program?

If you’re a U.S. for-profit business with steady card sales and a practical plan to repay, you’re likely a fit for an MCA. Owners use advances to cover short-term gaps, restock fast-moving inventory, and handle time-sensitive expenses without waiting on lengthy underwriting.

Small business lines of credit are ideal for:

Purchasing new inventory
Opening a new location
Upgrading or replacing equipment and technology
Bolstering your small business’s marketing
Filling in cash-flow gaps during slow seasons or between projects

Frequently Asked Questions

What is the process for a Merchant Cash Advance?

Apply online, upload recent bank and processor statements, and review prequalified offers. After you select terms, the provider finalizes underwriting and funds your advance.

What is the repayment plan for my business?

You remit a set percentage of sales (or fixed ACH) until the purchased receivables amount is satisfied. We’ll show factor rate, expected payoff window, and all fees upfront.

How fast can I receive funds?

Many files see instant business cash advance prequalification and funding as quickly as one to two business days after approval, depending on statements and cutoff times.

What can I use the advance for?

Inventory, payroll, marketing pushes, repairs, vendor deposits, or bridging receivables. Personal use isn’t permitted.

Cash hit in two days, and the split payments matched our weekend spikes. Kept payroll smooth.

We restocked before a promo and paid it down from the sales surge. Simple and predictable.

Clear costs, no surprises, and fast communication. Exactly what we needed during a tight month.

Having capital ready let us lock in a supplier discount. The savings covered the fees.