Merchant Cash Advance

Quick capital based on your future credit card sales—perfect for businesses with high card transaction volume.

$5K - $500K

Funding Range

1-3 Days

Fast Funding

Premium Financing

Merchant Cash Advance Overview

Our Merchant Cash Advance provides $5,000 to $500,000 in fast funding repaid through a percentage of your daily credit card sales. Perfect for restaurants, retailers, salons, and other businesses with consistent card transactions. No fixed monthly payments—repayment automatically adjusts with your sales volume. Fast approval with minimal documentation required. Access capital quickly to manage cash flow, purchase inventory, handle emergencies, or seize growth opportunities—backed by our commitment to transparency and service excellence.

💰 AMOUNT

$5K - $500K

⏱️ SPEED

1-3 Days

📊 RATE

Varies by volume

📝 TERMS

3-18 months

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
500+ (credit card sales volume more important than credit score).
3+ months in business with consistent card sales.
$5,000+ monthly in credit card processing.
4 or fewer (flexible based on sales volume).
Credit card processing volume, average monthly sales, industry type, and sales consistency.
Bank statements (3 months) or merchant processing statements showing card sales volume.

Why Use Black Tie Funding for Merchant Cash Advance

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Ultra-Fast Funding

Get approved and funded in as little as 24 hours for urgent business needs.

Repayment is a percentage of daily sales—slow sales days mean lower payments.

Approval based primarily on sales volume, not credit score.

Simple application with just a few months of processing statements needed.

Payment automatically adjusts with your business revenue—no stress during slow periods.

Unsecured financing based on future receivables, not hard assets.

Explore Similar Funding Solutions

Business Line of Credit

$5K–$500K, 1-3 days

Working Capital Loans

$10K–$1M, 1-5 days

Invoice Factoring

$10K–$1M, 1-5 days

What Our Clients Say

Frequently Asked Questions

How does a merchant cash advance work?

You receive a lump sum upfront, then repay through a percentage (typically 10-20%) of your daily credit card sales until the advance plus fees is repaid.

Payments automatically adjust—if sales are slow, you pay less. If sales are strong, you pay more. This flexibility helps during seasonal fluctuations.

MCAs typically have higher costs than traditional loans, but offer speed, flexibility, and accessibility for businesses that might not qualify elsewhere.

Any business with consistent credit card sales: restaurants, retail stores, salons, medical practices, e-commerce, and service businesses.

Once you’ve repaid 50-70% of your current advance, you may qualify for additional funding.

Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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Accounting

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Merchant Cash Advance

Fast funding based on future sales
Amount Range
$8,000–$500,000
Funding Speed
Same day
Term
3-18 months
Rate
1.1-1.5 factor rate
Min Credit Score
550+
Time in Business
3+ months
Min Monthly Revenue
$5K/month
Max Negative Days
10 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.