Merchant Cash Advance

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Loan Amount: $

What Are Merchant Cash Advance?

Merchant Cash Advance (MCA) is one of the highly preferred cash advances that can be availed quickly to overcome the immediate financial requirements in a business. It can be availed either by a startup for its development or by an established company for further development or expansion. An MCA is availed in accordance with the assumed future outcome of the credit sales of the company. The advantage of availing a merchant cash advance is that it can be availed soon. Also, there will not be much financial burden of repayment on the borrower. This is because the loan will have to be repaid as smaller amounts whenever there is a considerable credit sales for the company and a certain percentage of the profit amount will be taken as a repayment. This will continue until the whole amount has been repaid.

To avail a Merchant Cash Advance on InstantCreditLoansUS, you need to fill out a basic form and submit it with all the required details. We will process your loan request by taking into account different factors like the amount required, the financial circumstances, etc. The final amount and the terms of payment will be decided after considering various aspects & to suit your preferences.

Go ahead and start the process of availing your merchant cash advance, now!

How To Apply For Merchant Cash Advance

Explore well on our website and check if you qualify for a suitable loan with us. As a borrower, you are requested to comply with the requirements of specific lenders in order to ensure a smooth loan availing process. Few states in the US have prohibited the practice of providing quick loans. The final decision regarding your loan approval shall be made after checking with the laws and regulations as per your residential state.


Get Started On Your Merchant Cash Advance, Now!

To get started on submitting your information for the merchant advance loan, please keep the following documents ready.

Required Documents
  • Personal Information & a Valid Social Security Number
  • ID Proof issued by the US Government
  • Income tax returns and Other Legal Documents related to the Business
  • The Business Plan
  • Debt Schedule and the Loan history
  • Details about the usage of the Loan funds
  • Details of Collateral/Guarantor (if required)
Eligibility Criteria
  • Should Be a Legal Adult
  • Should Be A Legal US Citizen
  • Should Have An Established Business
  • Should Have A Proper Business Turnover*
  • Should Have An Active Bank Account
  • Should Not Have Other Previous Debts*
  • Should Have A Proper Plan To Use The Funds

Advantages of Merchant Cash Advance

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An Installment Loan gets you the money you need today, with the ability to repay over time. Installment Loans are longer-term personal loans with terms from 3 to 24 months, depending on your state. We offer Installment Loans in both in-store and online in most states.
If you own the title to your vehicle, a Title Loan allows you to borrow money based on its value. Your car is used as collateral for the loan so you can get the money you need immediately, and keep driving your car while you pay back your personal loan. Title Loans are ideal for individuals looking for a fast solution to short-term financial needs.
A Line of Credit is the most convenient, safe and secure way to access money when you need it most. Once you are approved for a certain limit, you can request money up to that total amount. The credit line, or maximum amount of money that can be withdrawn, varies by state, and the funds you request will be deposited directly into your bank account. After your initial approval, there’s no need to reapply. Simply pay back your fees and the money you borrowed, then request to withdraw more money from your Line of Credit whenever you need it.

APR Disclosure: is a direct lender of merchant cash advance, and therefore, it holds all the say over the annual percentage rate (APR) you will be offered. Prior to loan application, we will provide a representative APR based on data aggregated keeping in mind various aspects. Our APR usually ranges from 14% to 18% depending on a host of factors. APRs increase proportionately to the repayment terms which is anywhere between 61 days to 180 months. Your actual APR rate depends on your loan amount, credit score, loan term, and credit usage & history. It is agreed upon between you and our finance team.

Representative APR Example:

If you are borrowing a quick merchant cash advance of $20,000 for a term of 10 years at an APR of 18%, the total payable amount at the end of 120 months (10 years) will be $43,244, with a monthly payable amount of approx. $360 and total payable interest of $23,244.