Flexible Merchant Cash Advances for Dallas Businesses

Financing That Adapts to Your Business

A Merchant Cash Advance (MCA) provides flexible funding that adjusts to your business performance. Instead of fixed monthly payments, you repay a percentage of your daily credit and debit card sales.

This means when business is slow, your payments are lower. When sales are strong, you pay down the advance faster. It’s ideal for businesses with consistent card transactions looking for capital without the constraints of traditional loans.

How a Merchant Cash Advance Works

An MCA is technically a purchase of your future receivables, not a loan. Here’s how it works:

1. You receive a lump sum - Up to $600,000 based on your average monthly card sales
2. We purchase future receivables - A predetermined amount of your future sales
3. Daily remittance - A small percentage (holdback rate) is automatically deducted from your daily card transactions
4. Advance is repaid - Once the purchased amount plus factor cost is collected, the advance is complete

Example MCA Calculation

• Advance Amount: $50,000
• Factor Rate: 1.20
• Total Repayment: $60,000 ($50,000 × 1.20)
• Holdback Rate: 10% of daily card sales

If you process $3,000 in cards daily, $300 goes toward repayment. On a $1,000 day, only $100 is remitted.

Who Is MCA Best For?

Merchant Cash Advances work especially well for:

• Restaurants and food service businesses with high card volume
• Retail stores with consistent daily transactions
• Service businesses that accept card payments
• Seasonal businesses with variable income
• Businesses turned down by traditional lenders

MCA Requirements

Our qualification criteria focus on business health and cash flow:

• Time in Business: Minimum 6 months
• Monthly Revenue: $15,000+ (doesn’t have to be all card sales)
• Credit Score: FICO from 500+ considered
• Card Processing: Active credit/debit card processing (for traditional MCA)
• Bank Statements: 3 months of business bank statements

MCA vs. Working Capital Loans

Wondering which option is right for your situation? Our MCA vs. term loan comparison provides a detailed breakdown.

Benefits of Merchant Cash Advances

Flexible Payments

Your payments automatically adjust with your sales volume. Slow month? Lower payments. Busy season? Pay off faster.

No Collateral Required

Unlike traditional loans, MCAs don’t require you to pledge assets as collateral. Your future sales serve as the basis for funding.

Fast Approval

Our streamlined process can get you approved and funded within 24 hours—often the same day.

Use Funds for Any Purpose

There are no restrictions on how you use your MCA funds. Inventory, payroll, expansion, emergencies—it’s your choice.

Important Considerations

Understanding the True Cost

MCAs use factor rates, not APR. When comparing to traditional loans, understand that factor rates represent total cost, not annual interest. See our factor rates guide for a detailed explanation.

Daily Remittance

While flexible, daily remittance from your card sales requires consistent card processing. Ensure this works for your business model.

Business Health

MCAs work best for healthy businesses that need capital for growth or bridging cash flow gaps—not for struggling businesses adding debt.

Our MCA Application Process

1. Apply Online (5 minutes) - Basic business information
2. Submit Documents - 3 months bank statements, card processing statements
3. Quick Approval (2-4 hours) - Data-driven underwriting decision
4. Review Offers - Transparent terms with no hidden fees
5. Same-Day Funding - Funds deposited to your business account

Ready to get flexible funding that adapts to your business? Apply now for a free, no-obligation quote.