01
Working capital between large receivables
A 60-day invoice is landing but payroll is now. An MCA bridges the gap without disrupting operations.
Merchant Cash Advance
Revenue-based
capital.
Funded in 1–3 business days.
Advance against your future revenue. Repayment scales with daily sales. From $5K to $20M, deployed in days.
Or call (914) 677-2272 — Mon – Fri, 9–7 EST
MCA · fundedLive
Advance amount
$185,000
Factor
1.24
Term
12 months
Industry
Restaurant · NJ
Funded
22h 14m
Today's average
$94,720
Explainer
How a merchant cash advance works.
A merchant cash advance is not a loan. It's a purchase of your future receivables — we buy a defined slice of revenue at a discount, and you deliver that revenue over time as it comes in. There's no APR, no compounding interest, no amortization schedule. Cost is a flat multiplier set the day we fund.
Repayment runs automatically through your business bank account. A small percentage of daily or weekly deposits — the holdback — remits until the purchased amount has been delivered in full. Strong sales weeks pay down faster. Slow weeks remit less. The cash-flow burden breathes with the business.
Because we're buying revenue rather than lending against credit, approval looks at deposit patterns, not FICO. A factor rate rather than an interest rate. A defined total payback rather than a moving target. Mechanically different from a loan in every way that matters.
Holdback
Daily revenue percentage withheld for repayment. Typically 8–15% of bank deposits.
Factor rate
Total repayment as a multiple of the advance. A 1.24 factor on $100K means $124K paid back.
Term
Typical 6–18 months. Concludes when the purchased receivables are fully remitted.
When it fits
When an MCA fits.
An MCA isn't right for every situation. These are the three where it almost always is.
02
Seasonal cash flow
Revenue swings predictably with the season. An MCA's revenue-tied repayment breathes with slow months instead of cutting you off.
03
Inventory or marketing ahead of known demand
Revenue is coming — a signed contract, a launch, a season. You need capital to deploy against it now.
Qualifying
What you'll need.
A short list, and we work from your bank statements rather than your credit report. Outside these ranges? Talk to us anyway.
Time in business
6+ months
Monthly revenue
$15K+in monthly deposits
Bank account
Active business banking
Documents
Last 3 months of bank statements
How it works at Green Advance
Four steps to deposit.
Direct underwriting from the desk that first picks up the phone. No middle layer, no handoff.
013 min
Apply
Three minutes. Business basics and amount requested.
02Same day
Statements
Upload the last 3 months of bank statements. We size the offer against deposit patterns.
031 business day
Offer
Factor rate, total payback, and remittance schedule presented in writing.
041–3 days
Funded
Sign electronically. Capital wires to your operating account.
Talk it through
Green Advance assistant
Walk through MCA with us.
Two minutes of questions, then we'll route you to a funder with the context already in hand.
FAQ
Questions we get,
answered straight.
Apply for MCA capital
Apply for MCA capital.
Funded in days.
Ten-minute application. Decision within 1 business day. Capital wired within 1–3 after signing.