Both land in the operating account. The difference is how they get repaid. Built for established businesses doing $60K+ a month.
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We offer both through our partner, Merchant Fund Express. Knowing how each one gets repaid makes the right fit much easier to spot.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
As little as 24 hours for qualified businesses. A 5-minute application, about three months of statements, no tax returns.
FICO 500+ is considered, the first look is a soft pull, and steady revenue counts for a lot.
You see the total repayment amount in your offer before accepting, with no surprise costs after signing.
Your offer lays out the schedule up front, so there is nothing to decode later.
Ask five people in a shop or a kitchen and you will hear the terms used interchangeably. They are related, since both are short-term money for running the business, but they are built differently. Knowing which is which helps you read an offer with a steady eye instead of guessing at what you signed.
A merchant cash advance is a purchase of future receivables. You receive a lump sum, and the funder collects an agreed share of your sales or deposits until the purchased amount is delivered. When sales are strong, it moves faster. When sales slow, collections generally slow too. The total cost is set out in the agreement up front. Details are on our merchant cash advance page.
A working capital loan is borrowed money with a set repayment schedule. Payments are usually fixed amounts on a regular calendar, regardless of how a given week went. That predictability suits businesses with even revenue. See working capital for how the product is used.
| MCA | Working capital loan | |
|---|---|---|
| Legal structure | Sale of future receivables | Borrowed funds |
| Repayment | Share of sales or deposits | Scheduled fixed payments |
| Flexes with slow weeks | Generally yes | Generally no |
| Main review focus | Sales and deposit history | Deposits, revenue, credit profile |
For illustration: a salon group running $85,000 a month in card-heavy sales, with a quiet January every year, may prefer repayment that eases when the books ease. A commercial cleaning company billing the same contracts at the same rates every month may prefer the clarity of a fixed payment. Neither choice is wrong. It depends on how your money actually moves.
Owners who are mid-way through a credit cleanup often ask whether they should wait. You do not have to. Funding through our partner Merchant Fund Express is reviewed on the business, and FICO 500+ is considered. Credit work is a separate service that runs on its own track.
Requests run from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses. Begin the application.
It is generally structured as a purchase of future receivables rather than a loan. Your agreement spells out exactly how it works.
It depends on the file, the amount and the structure. We do not publish rates or factors; every offer shows its own total cost before you sign.
Yes, sole proprietors can apply. The review looks at business deposits and revenue.
Both can move quickly. For qualified businesses, funding can arrive in as little as 24 hours.
It is part of the picture, but FICO 500+ is considered and revenue carries real weight in the review.
Example uses for illustration only.
Small changes to how your account looks can sharpen any review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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