Quick capital to keep your business moving forward
A Merchant Cash Advance (MCA) provides businesses with quick cash upfront, repaid through a percentage of future credit card sales or daily revenue, offering flexibility but at a higher cost than traditional loans.
Fast and Straightforward Financing
An MCA offers quick funding, fixed interest rates, and a set repayment schedule, for a simple financial solution.
01
Fast funding
Get access to funds quickly, with funds in your account in as fast as 24 to 48 hours.
02
No collateral required
Secure the funds you need without risking your assets. It’s a stress-free way to grow your business while keeping what matters to you safe.
03
Poor credit approvals
Business owners with a credit score as low as 550 can qualify, offering you the opportunity to access the capital you need.
04
Minimal Paperwork
Get the funding you need with less hassle. Minimal paperwork means a smoother process and fewer roadblocks, letting you focus on growing your business, not forms.
Minimum
requirements
for an MCA
6 months
in business
$10,000
monthly revenue
550
credit score
6 months
no open bankruptcies
Drawbacks to consider with an MCA
It’s important to carefully weigh the pros and cons of an MCA so you can make a better-informed decision on what’s best for your business.
High Rates
This choice carries steep interest rates, often much higher than what you’d find with other loans you might be eligible for
Short Terms
This option locks you into a brief repayment window, with a maximum term of usually 24 months. It could be a tight squeeze, pressuring your cash flow quickly.
Frequent repayment schedule
You’ll face frequent payments, usually weekly and sometimes daily. It’s a fast pace that could pressure your cash flow.
Debt Cycle
Fast repayment and high costs can trap you into taking another MCA to cover the first. It’s a slippery slope that can pile on pressure.
How an MCA can help
With all the benefits and drawbacks of an MCA, here are some smart ways to use one effectively
Unexpected expense
Equipment maintenance
Facility repairs
Emergency relief
Cash flow
shortage
Stock up inventory
Cover payroll
Pay off taxes
Declined by traditional banks
Poor credit
Lack of collateral
Insufficient financial history
Unexpected expense
Equipment maintenance
Facility repairs
Emergency relief
Cash flow shortage
Stock up inventory
Cover payroll
Pay off taxes
Declined by traditional banks
Poor credit
Lack of collateral
Insufficient financial history
How it works
with LoanSwipe
Get pre-qualified for personalized, estimated loan offers from all our loan products and partner banks through secure, data-driven prompts — without needing to provide any sensitive information.
01
Get pre-underwritten for all your loan options
By completing our prompt questionnaire with non-sensitive details about your business, we’ll provide you with estimates for all our loan options. This allows you to easily compare and choose the one that best fits your needs.
02
Seamlessly apply and connect your financials
Choose the options that best meet your needs and apply for them all with a single application. Connect your financials securely through our integrated apps.
03
A single hub from start to closing
Through your account, you can monitor loan application statuses, handle closing documents, communicate with underwriters, and manage additional required actions.
Privacy at
the forefront
At LoanSwipe, we prioritize your privacy and security above all, ensuring that your personal information is always protected throughout the entire loan process.
Anonymous pre-approval
Know your approval potential without disclosing your personal or business identity. Most other platforms require sensitive information upfront to give you an answer whether you’re approved or declined
Trusted partners
We only work with banks and lenders committed to protecting your data and ensuring it is not shared or sold. Often, other brokers and lenders will share or sell your data
Targeted submissions
We match your data points with the approval criteria of trusted lenders, ensuring your application is only sent to those most likely to approve you and present the best offers
Dive deeper into MCA
Explore our articles giving you a better understanding about MCA loans
Ready to get started?
Use our prompt questionnaire without disclosing personal information to see what loan types you can qualify for
Small and medium-sized businesses use LoanSwipe to get the financing that best suits their business by leveraging our large data sets and banking network.
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