An MCA looks at the sales you generate. If your personal credit lags, FICO 500+ is considered. Built for established businesses doing $60K+ a month.
Check my MCA optionsMCA for Bad Credit
A merchant cash advance is available through our partner, Merchant Fund Express, as an advance against future sales with the full cost shown up front.
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.
FICO 500+ is considered and the process starts with a soft pull. Consistent card and bank deposits count for a lot.
Qualified businesses can be funded in as little as 24 hours after a 5-minute application.
About 3 months of business bank statements. No tax returns required.
Your offer lists the full repayment amount and how remittances work before you accept.
A merchant cash advance provides a lump sum in exchange for a portion of your future sales. Repayment is collected from your card sales or bank deposits, often daily or weekly, until the agreed total is paid. The total amount you repay is set when you sign.
Because collections tie to sales, the advance is built around your revenue rather than your personal credit history. Funding is provided through our partner Merchant Fund Express.
A bank asks, "Will this person repay over five years?" and leans on credit history to answer. An MCA reviewer asks, "Does this business consistently generate sales?" and leans on bank statements. FICO 500+ is considered, and the process begins with a soft credit pull. That shift is why owners with damaged credit but healthy sales often find an MCA more reachable.
Built for established businesses doing $60K or more a month, sole proprietors included. Businesses with steady card or deposit volume are natural fits: a busy pizza shop, a tire and brake center, a boutique fitness studio, a convenience store with fuel sales. See funding for auto repair shops or funding for retail for industry detail.
An MCA is one option among several. If you prefer remittances tied to overall deposits, compare revenue-based financing vs. MCA. If you want to draw funds only when needed, read line of credit vs. MCA.
Amounts range from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses. You need about three months of business bank statements and no tax returns. Start the 5-minute application.
Eagle's credit repair is a separate service. You do not need it to qualify, and an MCA will not improve your score.
FICO 500+ is considered. An MCA review focuses heavily on your sales and bank activity rather than credit alone.
Through a portion of your future card sales or deposits, collected on a set schedule until the agreed total is paid.
An MCA is generally not secured by specific assets, though agreements may include owner commitments. Read yours carefully.
Existing advances are weighed as part of your obligations. Disclose them accurately so any new offer is sized to what your sales can realistically carry.
You should not expect it to. Funding and credit repair are separate, and an MCA does not raise your score.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
A few steady habits help your sales history speak for itself.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding