Business Line of Credit
Revolving working capital, draw only what you need.
Learn moreUS lead product · Working capital
Merchant Cash Advance
Advance against future card sales, flexible repayments.
$5k – $500k3 – 18 monthsSame day – 48 hours
- Approval in hours, funding in days
- Repayment scales with sales
- No fixed monthly payment
What is merchant cash advance?
A merchant cash advance (MCA) is a purchase of future receivables, the funder buys a set dollar amount of the merchant's future revenue at a discount. Repayment is typically daily or weekly ACH pulls calibrated to a percentage of sales.
MCA is the workhorse of the alternative finance space: fast, forgiving on credit, and highly commissionable. The trade-off is cost, buyers should be ready to educate merchants on true APR-equivalent economics.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $5k – $500k
- Typical term
- 3 – 18 months
- Indicative rates
- Factor 1.15 – 1.49 (indicative)
- Funding speed
- Same day – 48 hours
- Typical borrower
- Retail, restaurants, salons, e-commerce and services with steady card revenue.
- Why brokers want these
- High commission percentages, high-volume vertical, quick funding.
Common use cases
- Fast working capital for retail and restaurants
- Inventory and equipment when banks declined
- Renovation and expansion for card-heavy businesses
- Bridge between longer-term financing rounds
Typical borrower qualifications
- 3–6+ months TIB
- $10k+ monthly revenue (card + ACH)
- FICO 500+
- Business checking with 3 months of statements
Why brokers buy from us
Why working capital brokers buy merchant cash advance leads from us
What makes this feed different from generic aggregator flow.
Real-time delivery ready with bank-statement prompt already fired, win 1st-position files with a clean file
Position count and NSF band captured so you can auto-decline out-of-box before underwriter touch
Restricted-state and industry filters honored, including current NY, CA, VA and UT disclosure regime
Compare
How merchant cash advance compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Business Line of Credit
LOC is cheaper for recurring gaps but slower and stricter; MCA wins when the borrower needs cash in 24 hours.
View Business Line of Creditvs Working Capital Loans
Term WC is APR-priced with fixed payment; MCA is factor-priced with revenue-flex repayment, pick based on merchant preference.
View Working Capital Loansvs Revenue-Based Financing
RBF is the SaaS/e-commerce equivalent with data-connected underwriting; MCA is card-heavy retail and restaurant.
View Revenue-Based FinancingOur lead generation process
How we generate merchant cash advance leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- Google Search Ads on 'same-day business funding' and MCA intent keywords
- Aggregator ingestion from alt-finance partners and MCA lead exchanges
- ISO / broker referral partnerships (revenue-share sub-syndication)
- SEO on 'bad-credit business loan' and industry-specific working-capital content
Data captured on each lead
- Requested advance amount and speed of funding (24h / 48h / week)
- Monthly revenue split between card processing and ACH deposits
- Number of existing positions and total outstanding stacked advances
- NSFs in last 30/60 days (self-reported)
- Industry, state and owner FICO band
Vetting workflow
- Restricted-state filter (NY, CA, VA, UT, etc.) applied to buyer feed per current MCA regs
- Restricted-industry filter (adult, cannabis, firearms) enforced
- Position count and stacking disclosure captured before delivery
- 3-month bank statement upload prompt fires on ~35% of enquiries
- TCPA + CAN-SPAM consent with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$5k · Merchant Cash Advance
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Requested advance amount and speed of funding (24h / 48h / week)
- ✓
- Monthly revenue split between card processing and ACH deposits
- ✓
- Number of existing positions and total outstanding stacked advances
- ✓
- NSFs in last 30/60 days (self-reported)
- ✓
Who this suits & how we qualify
Best fit for
MCA ISOs, funders with same-day approvals, and syndicators buying paper.
Qualification standard
- Restricted-state filter (NY, CA, VA, UT, etc.) applied to buyer feed per current MCA regs
- Restricted-industry filter (adult, cannabis, firearms) enforced
- Position count and stacking disclosure captured before delivery
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of merchant cash advance leads.
Related products
Other working capital lead flows we supply.
Alternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
Learn moreTerm Loans
Traditional and online fixed-payment term loans.
Learn moreReady for vetted Merchant Cash Advance enquiries?
Tell us your credit box and volume, we'll come back within one business day.