How a Merchant Cash Advance Can Accelerate Your Business Growth

Finding reliable funding can be challenging for small and mid-sized businesses. A Merchant Cash Advance (MCA) offers a flexible, fast way to access working capital — without the long approval times and rigid requirements of traditional bank loans.

At Canfield Capital, we help businesses like yours use merchant cash advances to keep cash flow steady, cover operating costs, and fuel expansion — all on your terms.

In this guide, we’ll explain what a merchant cash advance is, how it works, its key benefits, and what you need to qualify.

What Is a Merchant Cash Advance?

A merchant cash advance is an alternative financing option that provides businesses with a lump sum of upfront capital. In return, you repay the advance through a percentage of your future daily or weekly sales — usually from debit and credit card transactions.

Unlike a traditional business loan, a merchant cash advance doesn’t come with fixed monthly payments or long-term repayment schedules. Instead, repayments adjust automatically based on your actual sales volume.

This makes MCAs especially useful for businesses with seasonal revenue, fluctuating cash flow, or limited collateral.

How Does a Merchant Cash Advance Work?

The process is simple and quick:

1️⃣ Apply for an AdvanceFill out a short application online and share details like your average monthly sales and time in business.

2️⃣ Get Approved FastMCAs focus on your business’s revenue performance — not just your credit score — which means faster approvals and less paperwork.

3️⃣ Receive Your FundsOnce approved, you’ll receive a lump sum directly in your business account — often within 24–48 hours.

4️⃣ Repay AutomaticallyA small, agreed percentage of your daily or weekly sales is automatically remitted until the total amount (advance plus fee) is repaid. There are no surprise penalties and no fixed deadlines.

Example:A busy restaurant uses a merchant cash advance to cover an unexpected equipment upgrade. Because repayment adjusts daily with their card sales, they pay more during busy weeks and less when things slow down — all without affecting daily operations.

Key Benefits of a Merchant Cash Advance

Merchant cash advances offer several advantages for small businesses that need funding without jumping through bank hoops:

✅ Quick Access to Working Capital

Unlike traditional loans that can take weeks or months to fund, MCAs can get cash in your account within a few business days — sometimes as fast as 24 hours.

✅ Flexible, Revenue-Based Repayment

Your payments flex with your sales. If revenue dips, your payment automatically adjusts lower. No rigid installment due dates.

✅ No Collateral Required

Merchant cash advances are unsecured, which means you don’t have to risk business or personal assets to qualify.

✅ Simple Approval Process

Approval focuses on your business’s daily credit card or debit sales, not on perfect credit history.

Benefit	Description
Immediate Funding	Receive capital in as little as 24 hours to cover urgent needs or growth opportunities.
Revenue-Based Payments	Payments scale with your daily sales — no fixed monthly due dates.
No Hard Collateral	No property or equipment required as collateral — keeping your assets safe.

Who Can Qualify for a Merchant Cash Advance?

MCAs are designed for businesses with steady credit or debit card sales. While requirements vary, typical minimum qualifications include:

• Minimum of $5,000 in monthly card sales

• At least 6 months in business

• Proof of consistent revenue

These criteria ensure that repayment through daily or weekly sales is sustainable for your business and manageable for you.

How to Apply for a Merchant Cash Advance with Canfield Capital

Getting started with a merchant cash advance is easy with Canfield Capital:

1️⃣ Complete Our Simple Online ApplicationTell us about your business and your monthly card sales.

2️⃣ Quick ReviewOur team evaluates your application with a focus on your revenue, not just your credit score.

3️⃣ Fast FundingOnce approved, you’ll get the funds deposited directly into your business account — usually within 24–48 hours.

4️⃣ Automatic RepaymentRepayment is effortless — we collect a small percentage of your daily sales until the total agreed amount is paid off.

Final Thoughts: Is a Merchant Cash Advance Right for You?

A merchant cash advance can be a powerful tool for managing cash flow, covering unexpected expenses, or investing in new opportunities — without the stress of rigid bank financing.

Whether you’re running a busy restaurant, retail store, service business, or seasonal operation, an MCA from Canfield Capital can help you get the capital you need — when you need it.

Ready to boost your cash flow and grow your business? Apply today and discover how Canfield Capital’s flexible funding can help you stay ahead.