Capital that works as hard as you do
A merchant cash advance gives small businesses fast, flexible funding without the red tape of traditional loans.
What is a merchant cash advance?
A merchant cash advance (MCA) is a financing tool that provides upfront capital to a business in exchange for a portion of future sales. It is not a loan — there is no fixed term, no compounding interest, and no collateral required.
Instead, repayment is drawn as a small percentage of your daily debit and credit card revenue (or fixed daily/weekly ACH withdrawals). This means your payments scale with your cash flow — high-revenue days pay more, slow days pay less.
Why small businesses choose an MCA
Traditional financing is slow, rigid, and often out of reach. A merchant cash advance is built for the realities of running a business.
Fast Access to Capital
Get approved in hours and receive funds within one business day — not weeks like traditional bank loans.
No Collateral Required
MCAs are unsecured. You don't need to put up property, equipment, or personal assets as security.
Flexible Repayment
Repay as a percentage of daily sales. When revenue is strong, you pay more; when it's slow, you pay less.
Use Funds for Anything
No restrictions. Cover payroll, buy inventory, renovate, market, or bridge a cash flow gap.
Easy Qualification
We focus on business revenue and bank statement history — not just credit scores.
Fuel Growth
Reinvest quickly into revenue-generating activities while competitors wait on slow financing.
MCA vs. Traditional Bank Loan
See why more small business owners are turning to merchant cash advances.
Industries we serve
If your business processes revenue, we can probably fund it.
Disclosures
Funderly Capital is not a lender. We provide revenue-based funding and merchant cash advances — the purchase of future receivables. Please review our disclosures to understand the key distinctions.
Read DisclosuresReady to fund your business?
Apply in minutes. Get an offer within hours. Capital in your account in as little as 4 hours.