Imagine you’re a growing business with a fresh opportunity on the table — a bulk order, a new contract, or a seasonal rush. But there’s one catch: you don’t have the cash flow to act fast. Traditional banks take weeks or even months to approve financing, and their requirements? Nearly impossible for newer or credit-challenged businesses.
This is where Merchant Cash Advances (MCAs) step in.
In this guide, we’ll break down what MCAs are, how they work, and why they’ve become a go-to solution for entrepreneurs seeking fast, flexible, and revenue-based funding. At Capital Express, we help you access the working capital you need to grow — on your terms.
The Real Cost of Waiting for Capital
Imagine you’re a growing business with a fresh opportunity on the table — a bulk order, a new contract, or a seasonal rush. But there’s one catch: you don’t have the cash flow to act fast. Traditional banks take weeks or even months to approve financing, and their requirements? Nearly impossible for newer or credit-challenged businesses.
This is where Merchant Cash Advances (MCAs) step in.
In this guide, we’ll break down what MCAs are, how they work, and why they’ve become a go-to solution for entrepreneurs seeking fast, flexible, and revenue-based funding. At Capital Express, we help you access the working capital you need to grow — on your terms.
What is a Merchant Cash Advance?
A merchant cash advance isn’t a loan — it’s an advance on your future sales. Here’s how it works:
A funding provider advances you a lump sum of cash
You agree to pay it back via a percentage of your daily or weekly sales
The repayment adjusts based on your revenue
That’s it. No fixed monthly payments. No interest rates in the traditional sense. Just performance-based payback.
📌 Did you know? Unlike banks, MCA lenders focus more on your revenue than your credit score.
This makes MCAs especially attractive for:
Startups with limited credit history
Business owners who have been turned away by traditional lenders
Companies with seasonal or inconsistent income streams
Why Businesses Choose MCAs
MCAs offer unmatched speed and flexibility.
With a merchant cash advance, you can:
Get funded in as little as 24-48 hours
Avoid collateral requirements
Handle seasonal dips or cash crunches
Invest in staff, inventory, or marketing campaigns
These features make MCAs especially valuable for:
Retail businesses
Restaurants
E-commerce companies
Service providers with fluctuating revenue
Real-World Scenarios Where MCAs Shine:
Holiday Season Prep: A gift shop owner secures an MCA to stock up before Black Friday.
Unexpected Repairs: A café gets emergency funding to fix its espresso machine without interrupting service.
Growth Push: A digital agency uses an MCA to launch a paid ad campaign that triples their monthly leads.
Instead of fixed monthly payments, MCA repayments are structured as a percentage of your daily sales — usually 10–20%. This is called a “holdback.”
So if sales are strong, you pay more. If they’re weak, you pay less. That’s why MCAs are a form of revenue based financing — they flex with your business.
Example Repayment Calculation:
Daily Sales
Holdback %
Daily Payment
$1,000
15%
$150
$600
15%
$90
This flexible repayment structure helps businesses manage their cash flow more efficiently.
Let’s find the right fit together. At Capital Express, our goal is to see you grow — sustainably.
Common MCA Myths — Busted
Myth #1: MCAs are only for struggling businesses. Wrong — many thriving companies use MCAs to fuel growth or manage rapid expansion.
Myth #2: MCAs are too expensive. They can be — but not always. When used correctly (especially short-term), the ROI can outweigh the cost.
Myth #3: MCA providers are all the same. Not true. Some are transparent and ethical — others aren’t. That’s why working with a vetted broker like Capital Express makes a difference.
How to Apply with Capital Express
Ready to move forward? Here’s how our process works:
Merchant cash advances are more than just quick funding. When paired with the right broker and lender, they become part of a bigger strategy — one that supports your operations, growth, and long-term goals.
Whether you’re exploring MCAs, equipment finance, or revenue based financing, Capital Express is ready to help you move forward.
