Merchant Cash Advance Loans
Fast, flexible funding — backed by your sales.
Need quick access to working capital but don’t want the hassle of a traditional loan? A Merchant Cash Advance (MCA) from National Business Loans offers a fast, simple solution. If your business generates consistent credit card or daily sales, an MCA can help you get the funding you need — without collateral, lengthy applications, or fixed monthly payments.
With an MCA, you receive a lump sum of cash in exchange for a percentage of your future sales. Payments are automatically deducted from your daily revenue, so repayment flexes with your business performance.
Why Choose a Merchant Cash Advance?
- Fast Access to Funds – Approvals in as little as 24 hours, with funding often available within 1–2 business days.
- Flexible Repayment – Payments adjust with your daily or weekly sales volume. Slow sales? Smaller payments.
- No Collateral Required – Your future sales serve as security, so you don’t need to risk your assets.
- Simple Qualification – Perfect for businesses that may not qualify for traditional loans due to credit score, time in business, or tax issues.
- Use Funds for Anything – Working capital, inventory, payroll, marketing — it’s your call.
Looking for a Lender that Delivers Funds When You Need Them?
What Makes Our Process Different
Ideal For:
Retail stores
Restaurants and bars
Auto repair shops
E-commerce businesses
Seasonal businesses with fluctuating revenue
Basic Qualifications:
- 6+ months in business
- $10,000+ in monthly revenue
- 550+ credit score
- Consistent credit card or POS sales
Required Documents:
Completed application
3–6 months of recent business bank statements
Business revenue documentation (POS or credit card statements)
How It Works:
Apply Online or By Phone – Start with a short application or call one of our specialists.
Review Offers – We match you with competitive MCA options based on your revenue and business profile.
Get Funded – Once approved, funds are typically available within as little as24–48 hours.
Repay Automatically – A small percentage of your daily sales is automatically deducted until your advance is paid in full.
At National Business Loans, we understand that not every business fits the mold for traditional financing and sought out to make the lending process easier. A Merchant Cash Advance offers a practical alternative for businesses that need speed, flexibility, and minimal paperwork. Whether you’re looking to cover an unexpected cost or you are looking for capital to help fuel your business's growth, our team is here to help you get funded fast. We even provide real estate loans to serve you best.