A merchant cash advance is an advance on your assumed future sales. Funders may often form partnerships with credit card companies to collect a percentage of each sale, so repayment is not a burden when business is slow. Set payback schedule is available for industries that do not use credit cards.

Merchant cash advance is a quick, easiest way to get capital quickly without need for collateral—with no minimum credit score. It is a quicker alternative to more traditional funding methods. This can allow merchants to sidestep the lengthy approval process of other loan types and leverage their future sales. In fact, it isn’t technically a loan, so therefore the credit score is much less of a factor.