Merchant Cash Advance
See What You Qualify For in 60 Seconds
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See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Merchant Cash Advance Work
An MCA is not technically a loan - it's a purchase of your future receivables. You receive a lump sum and repay by surrendering a fixed percentage of your daily card sales (or via fixed daily ACH). When sales are up, you pay more. When sales are down, you pay less.
Best For
Ideal Use Cases for Merchant Cash Advance
Real Scenarios
Who Uses Merchant Cash Advance?
These are the kinds of situations where merchant cash advance make the most sense.
Restaurant Emergency Repair
A restaurant owner gets $20K funded same-day to replace a walk-in cooler that failed overnight, preventing thousands in spoiled inventory and lost revenue.
Retail Flash Inventory Buy
A convenience store chain secures $50K within hours to purchase deeply discounted inventory from a distributor liquidating stock on a 24-hour deadline.
Salon Expansion Between Locations
A hair salon owner takes a $35K MCA to fund deposit, first month rent, and initial buildout for a second location while waiting on an SBA loan approval.
Auto Repair Diagnostic Equipment
An auto shop owner with a 520 credit score gets $15K same-day to buy a critical diagnostic scanner after being denied by two banks.
Food Truck Season Kickoff
A food truck operator takes $25K to cover permits, commissary fees, and initial inventory for the spring festival season when card sales will be strongest.
Medical Office Bridge Funding
A dental practice secures $40K via MCA to bridge a two-month gap while waiting for insurance reimbursements to catch up after adding a new provider.
Full Transparency
Pros & Cons of Merchant Cash Advance
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Merchant Cash Advance Pricing - Full Transparency
Factor Rate: 1.15 - 1.50 (typical range)
How Repayment Works:
Fees
No origination fees with most MCA providers. The factor rate IS the total cost. No prepayment savings - the total payback amount is fixed regardless of speed.
Important: MCAs Are the Most Expensive Option
MCAs should be used only when speed is the #1 priority and other options aren't available. A $50K MCA at 1.40 factor costs $70K total. If you can wait 2-3 days, working capital or a line of credit will almost always be cheaper.
Typical Cost Examples
MCAs are the highest-cost funding option but also the fastest and most accessible. We recommend exploring working capital loans, lines of credit, and revenue-based financing first. MCAs make sense when speed is critical and other products aren't available for your situation.
Full Transparency
Is Merchant Cash Advance Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
Compare
How Merchant Cash Advance Compare
Side-by-side look at how this product stacks up against alternatives.
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See What You Qualify For. No Credit Impact.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries
Popular in These Industries
Merchant Cash Advance are a top choice for business owners in these sectors.
Related Products
You Might Also Need
Many businesses combine multiple products to cover different needs.
Working Capital Loans
Fixed daily payments instead of percentage-based — more predictable and often lower total cost.
Learn More →Revenue-Based Financing
Payments flex with total revenue, not just card sales — works for businesses with mixed payment types.
Learn More →Business Line of Credit
Draw funds as needed with a revolving line — only pay for what you use.
Learn More →Free Tools
Try Our Free Calculators
Estimate costs, compare products, and see what you could qualify for — no email, no signup.
FAQs
Merchant Cash Advance FAQs
Merchant Cash Advance - Same-Day Funding for Businesses With Card Sales
A merchant cash advance from Basecamp Funding's network provides an advance on your future credit card sales with same-day funding available. Typical advances range from $5K to $1M with factor rates from 1.15 to 1.50. Repayment is automatic through a percentage of daily card sales.
Restaurants, retail stores, salons, auto repair shops, and any business processing card payments can qualify for an MCA. No minimum credit score, no collateral, no tax returns required. One 60-second application, no hard credit pull. MCAs are the fastest funding option - we also recommend comparing with working capital and revenue-based financing for potentially lower costs.
“I know MCAs are expensive but I needed $30K the same day to cover an emergency repair. Basecamp was honest about the cost and showed me cheaper alternatives for next time.”
Robert T.
Restaurant Owner | Denver, CO
The Only Risk Is Not Knowing What's Available to You
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