Merchant cash advances from $10K to $2M
Funding based on your sales, not collateral. Same-day decisions and funds typically within 24–48 hours of approval. Capital That Works.
Check if you qualify →How a merchant cash advance works
A merchant cash advance gives your business a lump sum today in exchange for a fixed amount of future revenue. Instead of an interest rate, the cost is a factor rate: multiply the advance by the factor rate to get the total you repay. Repayment is a fixed daily or weekly debit from your business bank account.
Because the decision is based on your deposits rather than collateral or a perfect credit score, an MCA can be approved in hours instead of weeks. Business owners use it for payroll, inventory, equipment, renovations, marketing, or bridging a slow season.
What a $50,000 advance can look like
Illustration only, not a quote. 1.38 is a common middle rate, not a floor or a cap — your rate is set from your own file. Try the funding calculator for your numbers.
Who qualifies
We fund restaurants, retail, trucking, medical, construction, and most other industries across the U.S. See industries we fund.
From application to funding
- Step 1Apply in 2 minutes
A one-page application — no business plan or tax returns to start.
- Step 2Send 3 months of bank statements
Your business checking statements are the core of the decision.
- Step 3Get a same-day decision
Our underwriting desk reviews deposits, balances, and existing positions.
- Step 4Funds in 48–72 hours
Sign your agreement and funds are wired to your business account.
Apply for a merchant cash advance
A 2-minute application. No impact on your credit score.
Frequently Asked Questions
Straight answers about merchant cash advances, eligibility, and how Workable Funding works.
What is a merchant cash advance?
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A merchant cash advance (MCA) is business funding repaid from your future revenue. You receive a lump sum and repay a fixed total amount through daily or weekly debits from your business bank account. It is based on your sales, not collateral.
Is a merchant cash advance a loan?
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No. An MCA is a purchase of future receivables, not a loan, so it uses a factor rate instead of an interest rate. Many people still search for it as an "MCA loan" or "cash advance loan".
How much does a merchant cash advance cost?
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Cost is set by a factor rate. Your total repayment is the funded amount times the factor rate — for example, $50,000 at 1.38 repays $69,000. 1.38 is a common middle rate, not a floor; your rate is set from your own file.
Who qualifies for a merchant cash advance?
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At Workable Funding you need at least 6 months in business, a business checking account, $15,000 or more in monthly revenue, and a 500+ personal FICO score.
How fast can I get a merchant cash advance?
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Most businesses get a decision the same day they apply, and funds typically arrive within 24 to 48 hours of approval.
Does applying affect my credit score?
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No. Applying does not impact your personal credit score. The decision is based mainly on your business bank statements.