Product 01 — MCA

Capital against your future revenue.

$2M

Maximum advance

Revenue-based funding with flexible remittance. Built for operators who need to move now — not in six weeks.

Apply now (914) 677-2272Talk to a funder

Funding in as little as 24 hours
Approval based on revenue, not FICO
No collateral, no equity taken
Remittance that flexes with sales

How it works

From file to funded, cleanly.

Apply

Three minutes. Business basics, owner information, amount requested. No credit pull at this stage.

Review bank statements

We analyze the last four months of business bank statements to verify revenue patterns and sizing.

Offer presented

You receive an offer in writing — factor rate, total repayment, remittance schedule, all locked.

Sign and fund

Sign electronically. Capital typically hits your operating account within one business day of signing.

Daily remittance begins

A small portion of daily or weekly deposits remits automatically. Terms conclude when the advance is fully repaid.

Example scenarios

How operators have used this product.

Case vignette · 01

Queens restaurant · $185,000

A Queens restaurant operator needed $185,000 to open a second location. Four months of statements showed consistent $90,000/month in deposits. Funded in 22 hours at a 1.24 factor, 12-month daily remittance.

Case vignette · 02

New Jersey trucking · $75,000

A trucking company in New Jersey faced a $60,000 engine repair on their largest rig. Bank statements showed strong but uneven deposits. Funded $75,000 the same day at a 1.28 factor, 9-month remittance, with one skipped payment week built into the agreement to absorb the downtime.

Scenarios are composites drawn from real placements — names and specifics have been anonymized. Actual offers vary by file.

Terms

The numbers, out in the open.

Actual offers vary by file. These are the ranges our underwriting desk prices week to week.

Amount range: $2,000 – $2,000,000
Rate range: Factor 1.15 – 1.49; Total payback = advance × factor rate
Term length: 30 days – 24 months
Remittance frequency: Daily, weekly, or monthly; ACH, flexes with revenue
Qualification requirements: $10K+/mo revenue · 6+ months operating

Fit

Who this works for — and who it doesn't.

Good fit

→You have consistent monthly deposits
→You need capital within days, not weeks
→Your credit isn't bank-grade yet
→You want remittance to ebb and flow with sales
→You're buying inventory, equipment, or staffing ahead of demand

Not a fit

×You have less than six months of operating history
×Average monthly revenue is under $10K
×You need a 5+ year repayment horizon
×You're comfortable waiting 30–60 days for a traditional loan

FAQ

Questions we get,
answered straight.

Ready when you are

Capital for the move you're making this week.

Three minutes to apply. A funding advisor calls back within an hour.

Start your application (914) 677-2272Mon – Fri, 9–7 EST