Merchant Cash Advance
Quick access to capital with no collateral required.


Only takes 5 minutes and doesn't impact your credit score



Loan Amount
Up to $750,000






Time to Fund
As Soon As 24 Hours
Loan Terms
Factor Rate
Up to 18 Months
Varies
What Is a Merchant Cash Advance (MCA)?
A merchant cash advance is an advance of capital repaid using future earnings deposited into a business‘ merchant account.
Merchant cash advances are best for small businesses that need capital immediately to cover cash-flow shortages or short-term expenses. Merchant cash advances can be a great option for businesses that have high credit card sales volume, need funding quickly, and may not qualify for other small business loans. This type of financing can help businesses get the money they need to cover short-term expenses or to tide them over until they can get a traditional bank loan.




When to Use Merchant Cash Advances
Businesses with bad credit scores or limited time in business






Newer businesses with limited credit history
Businesses that need cash quickly to cover unplanned expenses
Minimum Qualifications for Merchant Cash Advance


Credit Score
Bad credit OK


Monthly Revenue
$10,000+ Lowered revenue considered


Time in Business
3+ Months
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EZ Capital is a financial technology company, not a bank. Business financing is provided by EZ Capital and/or its partners.
All applications are subject to approval. Additional fees may apply.
Certain financing products and/or services may not be available in certain states.