The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Adv Disclosure
We aim to provide valuable content and useful comparison features to our visitors through our free online resource. It's important to note that we receive advertising compensation from companies featured on our site, which influences the positioning and order in which brands (and/or their products) are displayed, as well as the assigned score. Please be aware that the inclusion of company listings on this page doesn't imply endorsement. We don't feature all providers available in the market. Any information presented on this page, including pricing, is subject to change without notice. We want to emphasize that we disclaim all representations and warranties concerning the accuracy of the information provided on this site, unless otherwise explicitly stated in our Terms of Use
Close
defaultdefault
Business Loans Reviews
We've reviewed the top business loans companies to help you make the best decision for your business loans needs.
Business Loans Reviews
We've reviewed the top business loans companies to help you make the best decision for your business loans needs.
Business Loans Reviews
FAQs About Merchant Cash Advance Loans
Looking for a merchant cash advance loan but not sure where to start? We're here to help! In addition to our in-depth brand reviews, we provide answers to some of the most commonly asked questions about merchant cash advance loans.
What is a Merchant Cash Advance?
A merchant cash advance (MCA) is a lump sum of capital given to a business in exchange for a percentage of future sales. The repayment is tied to daily credit card transactions, making it a flexible and fast funding option for businesses with fluctuating sales.
How do Merchant Cash Advances work?
With a merchant cash advance loan, you receive a lump sum upfront and repay it through a percentage of your daily revenue or credit card sales. The more sales you make, the faster you repay.
What are the benefits of a Merchant Cash Advance?
Merchant Cash Advance terms will vary depending on influencing factors. However, some typical terms apply:

  • Quick funding: Access cash in 24-48 hours.
  • Flexible repayment: Payments are based on sales.
  • No collateral: No assets required.
  • No credit score check: Approval depends on revenue, not credit score.
Are Merchant Cash Advances expensive?
MCA loans can be more costly than traditional loans due to higher fees and daily repayments. However, they offer faster funding and more flexibility for businesses with variable sales.
Who is eligible for a Merchant Cash Advance?
Eligibility typically requires a business with at least 6 months of operation, consistent monthly revenue (usually $5,000 or more), and a strong history of credit card sales.
How much can I borrow with a Merchant Cash Advance?
The amount you can borrow depends on your business’s monthly credit card sales. Lenders offer a percentage of those sales as an advance.
Is a Merchant Cash Advance right for my business?
MCA loans may be an option for businesses that need fast funding but don’t qualify for traditional loans, particularly those with high credit card sales or seasonal income.

Alternatives to this include small business loans, which you can apply for through banks or online lenders. You can choose from short-term or long-term business loans, depending on your financial circumstances. This option will always run a credit check, however, interest rates are relatively lower so acts as a suitable alternative for Merchant Cash Advances.

*American Express Business Line of Credit Disclosure: All businesses are unique and are subject to approval and review. The required FICO score may be higher based on your relationship with American Express, credit history, and other factors. American Express® Business Line of Credit offers two loan types, installment loans and single repayment loans for eligible borrowers. All loan term types, loan term lengths, and pricing are subject to eligibility requirements, application, and final approval. This chart contains general information about the American Express® Business Line of Credit installment loan type only.
**Biz2Credit Disclosure: See website for details. Varies depending on product and qualifications.
Back To Top
Our Top 3 Picks
squareLogoUrl
Biz2Credit
Read Review