Merchant Cash Advance — Fast Capital Based on Your Revenue

What Is a Merchant Cash Advance?

A merchant cash advance (MCA) is one of the fastest and most flexible forms of small business financing available today. Rather than a traditional loan, an MCA is a purchase of your future business revenue at a discount. VACA Funding provides you with a lump sum of capital upfront, and in return, you agree to repay that amount — plus a factor fee — through a small, automatic percentage of your daily credit card sales or ACH bank deposits.

Unlike a fixed monthly loan payment, MCA repayments rise and fall with your revenue. When business is booming, you pay back more. When things slow down, your payment decreases automatically. This makes MCAs uniquely suited to businesses with variable or seasonal income.

How Does a Merchant Cash Advance Work?

Apply in 2 minutes → Submit 3 months of bank statements → Receive same-day offer with your advance amount and factor rate → Sign and get funded in 24 hours → Repay automatically as a small % of daily sales until paid in full.

MCA Factor Rates vs. Interest Rates

MCAs use a factor rate rather than an interest rate. A typical factor rate ranges from 1.15 to 1.50. If you receive a $50,000 advance at a factor rate of 1.30, you will repay a total of $65,000. The repayment period is not fixed — it depends on your daily revenue — but typically ranges from 4 to 18 months.

Who Should Get a Merchant Cash Advance?

An MCA is the right choice if your business needs funding quickly (within 24–48 hours), has inconsistent or seasonal revenue, processes significant daily credit card transactions, has been declined by a bank due to bad credit or limited history, cannot provide collateral for a traditional loan, or needs a short-term cash flow bridge between receivables.

Merchant Cash Advance for Bad Credit

One of the biggest advantages of an MCA is that approval is based primarily on your daily revenue and cash flow — not your personal credit score. VACA Funding has approved and funded thousands of business owners with credit scores below 600. If your business generates consistent deposits, you have a strong chance of approval regardless of your credit history.