Merchant Cash Advance

Get $5K to $50M in business funding based on your future sales. Flexible repayment that adjusts to your cash flow. Funding as fast as 24 hours.

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Applying is free and won't impact your credit1

Happy business owner
$50M Available Funding
Funds Deposited $50,000

$5K - $50M

Funding available

150+

Lending partners

24 hrs

Fast funding

Calculate Your Payments

Use our free calculator to estimate your costs and find the best option for your business.

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How Businesses Use Merchant Cash Advances

Flexible funding for whatever your business needs most.

Inventory

Stock up before busy seasons or take advantage of bulk discounts.

Equipment

Upgrade or repair critical equipment to keep operations running.

Hiring

Expand your team to handle growth or seasonal demand.

Marketing

Launch campaigns and promotions to drive new customers.

Minimum Requirements

While requirements vary by lender, most small business loans have these minimum qualifications:

6+ Months in Business

Most lenders require at least 6 months of operating history.

$10,000+ Monthly Revenue

Demonstrate consistent cash flow to qualify for more options.

500+ Credit Score

Options available for all credit profiles, including challenged credit.

Fast & Easy

Get Funded in 24 Hours

Our streamlined process gets you from application to funding faster than traditional lenders.

2-minute application
No impact to credit score
Same-day decisions
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How It Works

1

Apply in Minutes

Fill out our simple application with basic business information.

2

Compare Offers

Get matched with offers from our network of 150+ lenders.

3

Get Funded

Accept your offer and receive funds as fast as 24 hours.

Ready to grow your business?

Get pre-qualified in minutes. No impact to your credit score.

Apply now →

Frequently asked questions

Straight answers about Loanable and this product

A merchant cash advance (MCA) is a purchase of future business revenue, not a traditional loan. The business receives a lump sum and repays a percentage of sales or a fixed daily/weekly ACH until the purchased amount plus a factor is collected. Loanable matches businesses with MCA providers; it does not fund MCAs itself.

MCA offers through Loanable’s lender network typically range from $5,000 up to $50 million for qualified businesses. Actual offers depend on monthly revenue, time in business, and existing obligations.

Checking options on Loanable starts with a soft credit check. Some MCA providers later require a hard pull only if you accept their offer. Many MCA underwrites weigh bank deposits more heavily than FICO.