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Merchant Cash Advance: A Viable Funding Option for Businesses with Low or Recovering Credit

Most business owners find that it is difficult to qualify for business funding; but for companies with low or recovering credit, it can feel nearly impossible, even if they have strong cashflow.

There’s a ton of red tape, dozens of documents to gather and fill out, weeks or months of back-and-forth with the bank or other lenders— with no guarantee of being approved. It’s a lot… especially if you’ve had financial difficulties in the past.

Thankfully the product we offer, Merchant Cash Advance (MCA), is much easier to qualify for than traditional bank loans. To put it simply, MCA is a boutique alternative finance product geared toward helping small businesses when they need to act quickly— whether that’s buying new equipment, paying taxes, hiring more people to fulfill a big job, or meeting payroll needs during a tough month.

MCAs allow you quick access to your future sales in exchange for a percentage of your daily sales. An MCA is not a loan – it’s simply a way to get access to your future sales immediately. The application process is simple and quick, and we are able to fund companies in as little as 24 hours. There are no restrictions on how you use the funds, and we do not charge outrageous fees or require collateral.

With our MCA products, your credit score does not impact your eligibility. In fact, we conduct our background checks and provide funding offers without even running your credit. To qualify for funding, you just have to meet these 4 criteria:

1. Owned and operated in the U.S.

2. In business for at least 3 months.

3. No open bankruptcies.

4. At least $10,000 per month in bank deposits

OR $7,000 in credit card processing.

At Elevate Funding, transparency and honesty are at the core of what we do. When you select us as your funding provider, you are placing a safe bet on your financial future. We want to see our merchants succeed, and we will do everything in our power to work with you on your specific needs. We know small business, and we’re here to help.


Revenue-Based Finance is formerly and alternatively known as Merchant Cash Advance, or MCA.