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Merchant Cash Advance

MCA Financing: Quick and Flexible Merchant Cash Advances

Alternative to lengthy approval processes and strict credit requirements for traditional term loans

MCA financing provides unsecured working capital to small business owners on future credit card sales, providing small businesses an alternative to traditional bank loans. MCA quickly provides business cash advance loans, allowing you to borrow against future earnings to access that capital today.

Motor City Funding offers reliable and efficient Merchant Cash Advance solutions tailored to support small and medium-sized businesses in achieving their financial goals. Our Merchant Cash Advance services provide a convenient funding option that allows businesses to secure the working capital they need quickly and effortlessly. With competitive rates and flexible repayment terms, our MCA financing solutions are designed to help entrepreneurs seize growth opportunities, invest in business expansion, or manage unexpected expenses. Our dedicated team ensures a seamless funding process, enabling businesses to get back to what they do best - driving success in their ventures. Partner with Motor City Funding for your Merchant Cash Advance needs and experience hassle-free access to capital.

Contact us to learn more about MCA

Call us to speak to a loan specialist today.

Instant Access to Merchant Cash Advance Solutions for Immediate Needs


How a merchant cash advance works

  • Factor rate range: 15% – 49%; the advance is at a fixed rate, not an APR

  • Repayment for MCA financing can be made on either a Daily, Weekly, Bi-Weekly, or Monthly payment

  • Repayment terms range from 30 days up to 24 months

  • Repayment can be made through ACH Debits or Credit Card Processing Holdbacks

  • Funds can be sent in as quick as one business day

  • Funding amounts range from $2,000 up to $2,000,000


Rates are based on


  • Average monthly revenue

  • Time in business

  • Credit profile

  • Overall financial health/profitability

  • Industry


Merchant cash advance required documents

  • 1-page data form (application)

  • 3-6 months of business bank statements

  • Driver’s license

  • Voided check

  • Additional stipulations may be requested for  MCA financing and business cash advance loans, such as proof of ownership, financials (P&L and balance sheet), tax returns, accounts receivable reports


Ask yourself

  • Do you have any existing debt on your balance sheet? If yes, what are the balances owed and who are the balances owed to?

  • How do you plan on using the merchant cash advance?

  • How quickly do you need funding?


Good to know

  • Even if your credit score is low or you have a negative financial history or the business is less than one year old, there are still funding options with an MCA

  • We can consolidate existing MCA to lower payments and increase cash flow

  • This is a fast and convenient process with minimal paperwork and same-day funding available

  • When the balance is 50% paid, your business will be eligible for an additional merchant cash advance solutions

  • Great option for any business that is grossing $10,000 in revenue per month and has been in business for at least 6 months

Apply Now

What our clients are saying about our solutions

Our MCA Financial Solutions and Business Services support our clients as they stay competitive and grow to keep our nation’s economy alive.

Image by Jason Leung

Proud owner of a restaurant in California and was seeking capital to open a second location. My specialist at Motor City Funding got me the exact dollar amount I needed to open, including renovation and equipment costs.

Harry R

Restaurant Owner

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Financing Options

15 financing options and small business products


Funding Upto

Unsecured funding up to $2,000,000



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