Merchant Cash Advance

Fast funding based on your future credit card sales

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$5k to $500k

Advance Amount

4-18

Months Term

Factor Rate

1.1-1.5

24-48 hrs

Time Frame
Merchant Cash Advance

What is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is an alternative financing solution where you receive a lump sum payment in exchange for a percentage of your future credit card sales. Unlike traditional loans, repayment is automatically deducted from your daily credit card transactions, making it a flexible option that adjusts to your business's cash flow.

This financing option is particularly beneficial for businesses with strong credit card sales but may not qualify for traditional bank loans. With simple requirements and quick funding, MCAs provide the working capital you need when you need it most.

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How To Get A Merchant Cash Advance

Our Merchant Cash Advance program provides quick access to working capital based on your future credit card sales. Perfect for businesses that need immediate funding without the restrictions of traditional loans.

1

Apply Online

Complete our simple application and provide your recent credit card processing statements. Quick decisions with minimal documentation required.

2

Get Pre-Approved & Customize

Receive fast pre-approval and work with our experts to customize your advance amount and repayment terms based on your business's cash flow.

3

Get Funded

Access your funds in as little as 24-48 hours after approval. Start using your advance while making easy, automated repayments through your credit card sales.

Advantages of A Merchant Cash Advance

A Merchant Cash Advance offers unique benefits for businesses with consistent credit card sales. The flexible repayment structure means you pay more when sales are high and less when they're low. There's no fixed monthly payment, no collateral required, and approval is based primarily on your business's credit card processing history rather than traditional credit scores. This makes it an excellent option for businesses that may not qualify for conventional financing but have strong credit card sales.

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Guardian Business Funds

Get the capital you need, when you need it—quick and easy. At Guardian Business Funds, we provide flexible financing solutions tailored for any industry, ensuring your business keeps moving forward. Apply today and secure the funding you deserve to fuel your future with confidence.

Our mission is simple: to empower small businesses across the country with fast, reliable funding and clear, straightforward terms. We're dedicated to helping entrepreneurs thrive, grow, and achieve long-term success—because when small businesses succeed, America thrives.

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