Funding Solution
Merchant Cash Advance
Access working capital based on your revenue and sales activity, with a flexible structure designed for businesses that process steady daily transactions.
Overview
What Is Merchant Cash Advance?
A merchant cash advance provides access to capital based on your business revenue and sales activity. Rather than a fixed monthly payment, repayment is generally tied to a portion of your ongoing sales, so the amount can move with the rhythm of your business.
A merchant cash advance is not a loan. It is structured around your future sales activity, which is why the review process often focuses more on recent revenue than on a single credit score. Availability, amounts, and terms vary by applicant, product, provider, and underwriting review.
Who It Is Best For
- Businesses with steady credit card or daily deposit volume
- Retailers, restaurants, and service businesses with frequent transactions
- Owners who prefer repayment that adjusts with sales activity
- Companies that need capital on a faster timeline than a traditional bank
Common Uses
- Purchasing inventory ahead of a busy season
- Covering payroll and day-to-day operating costs
- Funding local marketing and advertising campaigns
- Managing short-term cash flow gaps
- Handling unexpected repairs or emergencies
- Bridging timing between large customer payments
Benefits
Why Businesses Consider This Option
Repayment tied to sales
Because repayment can flex with your revenue, it may feel more manageable during slower stretches.
Streamlined review
The review process often emphasizes recent sales activity rather than lengthy documentation.
Flexible use of funds
Capital can be applied to nearly any legitimate business-purpose need.
Built for transaction volume
Well suited to businesses that process consistent daily card and deposit activity.
Process
How It Works
Submit Basic Information
Tell us about your business and recent revenue so we can understand your situation. It only takes a few minutes.
Review Available Options
A specialist reviews potential structures that may fit your sales activity, subject to approval and underwriting review.
Choose Next Steps
If a suitable option is available, you can decide how you would like to move forward with your funding request.
FAQ
Merchant Cash Advance FAQ
No. A merchant cash advance is not a loan. It is structured around a portion of your future sales activity, which is why repayment and qualification work differently from a traditional loan.
Repayment is typically tied to a portion of your ongoing sales, so the amount can rise and fall along with your revenue. Specific structures vary by provider.
Available amounts vary based on your business profile, sales history, product, provider, and underwriting review. A specialist can help you understand what may be possible.
Timing varies by applicant and provider. After you submit your information, a specialist can walk you through potential next steps based on your business profile.
Generally, basic business details and recent revenue information are enough to begin. Additional documentation may be requested during underwriting review.
Explore Other Funding Solutions
Ready to Explore Your Funding Options?
Tell us about your business and LibertyLend will contact you with next steps.
Submitting a funding request does not guarantee approval. Funding availability, terms, rates, and repayment structures vary by applicant, product, provider, and underwriting review. LibertyLend provides business-purpose funding information and may connect applicants with funding providers.