Fast Access to Capital
MCAs can move quickly for qualified businesses with urgent working-capital needs.
Revenue-Backed
Merchant Cash Advances
A merchant cash advance gives you upfront capital in exchange for a portion of future receivables. Payments can adjust with sales instead of following a fixed monthly schedule.
What is a Merchant Cash Advance?
A merchant cash advance (MCA) is generally structured as a purchase of future receivables rather than a loan. Crestmont supplies the advance, and remittances are tied to future sales or receivables until the purchased amount is satisfied.
Why Crestmont
Benefits of merchant cash advance funding with Crestmont
Flexible Repayment
Payment can scale with receivables, which may help during slower sales periods.
Accessible Approval
Revenue and processing history can matter more than personal credit alone.
No Hard Collateral
The advance is based on future receivables rather than pledged equipment or real estate.
Eligibility
What you'll need to apply
Crestmont considers revenue consistency, business history, credit profile, and recent bank or processing activity.
Time in business3+ months
Monthly revenue$10K+
Personal FICO500+
Processing historyPreferred
All applicants must be a US-registered business with a US bank account.
Simple Process
How merchant cash advances work
Review the advance amount, factor rate, total repayment, and payment schedule before accepting a merchant cash advance.
1
Review Revenue
Crestmont evaluates deposits, sales volume, and processing history.
2
Receive an Offer
The offer shows advance amount, factor rate, repayment method, and estimated term.
3
Accept Terms
Review total repayment and payment frequency before signing.
4
Receive Funds
Approved funds can arrive quickly, sometimes the same business day.
5
Repay from Sales
A fixed percentage or scheduled payment continues until the purchased receivables are satisfied.
Quick Approvals
Decisions on qualified applications in as little as 24 hours.
Fast Funding
Funds released quickly once you accept an offer.
Minimal Documentation
A short list of documents gets the review started.
Online Applications
Apply from anywhere, on any device.
Cost
Understanding factor rates and APR
Merchant cash advances are often priced with a factor rate rather than a traditional APR. The factor rate determines the total repayment amount.
Because payment frequency and speed affect cost, compare the total repayment, estimated term, holdback, fees, and effective APR before accepting an advance.
Apply in minutes.
Get funds as soon as 24 hours.
Traditional bankWeeks of back and forth
Crestmont CapitalStatusStill processing
As fast as24 hours
Use Cases
Common uses for merchant cash advances
Working Capital
Cover operating expenses during a temporary revenue or timing gap.
Inventory
Buy inventory ahead of seasonal demand or a large customer order.
Equipment Repairs
Handle urgent repairs needed to keep revenue flowing.
Seasonal Staffing
Fund payroll for busy periods before sales are collected.
Considerations
When merchant cash advances may not fit
Higher Cost of Capital
Fast access and flexible qualification can come with a higher total cost than bank loans or some term loans.
Debt Cycle Risk
Using advances repeatedly without a cash-flow plan can strain future revenue and limit flexibility.
Alternatives
Other financing options to compare
Traditional Loans
A fixed repayment structure that may offer lower cost for qualified borrowers.
Business Line of Credit
Reusable capital for recurring cash-flow needs.
Term Loans
A lump sum for planned investments with a set payoff schedule.
Next Steps
Get Started With Crestmont Capital
- 1
Apply Online
Tell us how much funding you need and share your business details.
- 2
Review Your Options
Compare available amounts, costs, and repayment terms with a Crestmont specialist.
- 3
Receive Approved Funds
Accept your offer and complete the documents to receive funds after final approval.
Why Crestmont
Why Choose Crestmont Capital for Merchant Cash Advance
Fast Decisions
A streamlined review process helps qualified businesses compare options quickly.
Flexible Options
Crestmont helps match the product structure to your amount, timeline, and use of funds.
Transparent Terms
Review repayment, fees, timing, and total cost before accepting an offer.
Experienced Team
Work with advisors who understand small business funding tradeoffs.
Simple Process
Apply online, review options, and complete documentation without unnecessary friction.
Dedicated Support
Get guidance from application through funding and future financing conversations.
Financing details
Understanding Factor Rates: The True Cost of an MCA Loan
| Advance Amount | Factor Rate | Total Repayment | Total Fee | APR (6-month term) |
|---|---|---|---|---|
| $25,000 | 1.15 | $28,750 | $3,750 | ~30% APR |
| $50,000 | 1.20 | $60,000 | $10,000 | ~40% APR |
| $50,000 | 1.30 | $65,000 | $15,000 | ~60% APR |
| $100,000 | 1.30 | $130,000 | $30,000 | ~60% APR |
| $100,000 | 1.40 | $140,000 | $40,000 | ~80% APR |
| $250,000 | 1.25 | $312,500 | $62,500 | ~50% APR |
Financing details
MCA Loan vs. Other Business Financing Options
| Feature | Merchant Cash Advance | Term Loan |
|---|---|---|
| Approval Speed | 24–48 hours | 1–4 weeks |
| Credit Requirement | 550+ FICO OK | 650–700+ typically required |
| Collateral | None required | Often required |
| Cost of Capital | Factor rate 1.1–1.5 (high) | 6–13% APR (low) |
| Repayment | Flexible — tied to sales | Fixed monthly payments |
| Best For | Speed, bad credit, flexibility | Long-term, lower-cost capital |
| Documentation | Minimal (3 months statements) | Extensive (tax returns, financials) |
Financing details
MCA Loan vs. Other Business Financing Options
| Feature | Merchant Cash Advance | Business Line of Credit |
|---|---|---|
| Access to Funds | Lump sum, once | Revolving — draw as needed |
| Approval Speed | 24–48 hours | 1–2 weeks |
| Cost | Factor rate 1.1–1.5 | 8–20% APR |
| Credit Requirement | 550+ | 620–680+ |
| Repayment | Daily/weekly from sales | Monthly minimum payments |
| Best For | One-time large capital need | Ongoing, recurring capital needs |
Financing details
MCA Loan vs. Other Business Financing Options
| Feature | Merchant Cash Advance | Business Credit Card |
|---|---|---|
| Funding Amount | Up to $500,000 | Typically up to $50,000 |
| Approval Speed | 24–48 hours | Instant to 1 week |
| Cost | Factor rate 1.1–1.5 | 15–25% APR + fees |
| Credit Requirement | 550+ | 660+ typically |
| Cash Access | Direct deposit to account | Cash advances are expensive |
| Best For | Large, immediate capital needs | Everyday business expenses, rewards |
Financing details
Merchant Cash Advance Requirements
| Requirement | Minimum Threshold | Notes |
|---|---|---|
| Monthly Revenue | $7,500–$10,000 | Credit card/debit card processing volume |
| Time in Business | 6+ months | Established operations preferred |
| Credit Score (FICO) | ~550 minimum | Bad credit OK; lower scores may mean higher factor rates |
| Credit Card Processing | Regular volume required | % holdback repayment tied to card sales |
| Business Bank Account | Active checking account | Required for ACH repayment option |
| Business Type | Most industries accepted | Restaurants, retail, healthcare, services, contractors, etc. |
| Documentation | 3 months statements | Bank statements + processing statements |
Financing details
MCA Loan vs. Business Loan: Which Is Right for You?
| Factor | MCA Loan (Merchant Cash Advance) | Traditional Business Loan |
|---|---|---|
| Speed to Fund | 1–3 business days | 1–4 weeks (bank), 2–3 months (SBA) |
| Credit Score | 550+ OK | 650–700+ typically required |
| Collateral | None required | Often required (equipment, real estate) |
| Cost | Factor rate 1.1–1.5 (higher cost) | 6–13% APR (lower cost) |
| Repayment | Flexible — tied to daily sales | Fixed monthly payments |
| Documentation | Minimal | Extensive |
| Amounts Available | $20K–$500K | $50K–$5M+ |
| Best Use Case | Speed, accessibility, flexibility | Long-term, low-cost capital |
FAQ
Frequently Asked Questions About Merchant Cash Advance
Is an MCA the same as a loan?
No. It is generally structured as a purchase of future receivables, which means pricing and repayment can differ from a traditional loan.
Can I get an MCA with bad credit?
It may be possible when sales volume, deposits, and processing history support repayment.
How is the cost calculated?
Many MCAs use a factor rate. Multiply the advance by the factor rate to understand total repayment, then compare fees and payment frequency.
Can I pay it off early?
Some offers include early payoff options or discounts, while others do not. Review the specific contract terms before accepting.
What should I compare before accepting?
Compare total repayment, payment frequency, estimated term, fees, renewal conditions, and whether a lower-cost product is available.
How do daily or weekly MCA payments affect cash flow?
Frequent remittances can reduce the cash available for payroll, inventory, and normal expenses. Make sure the payment structure still works during slower sales periods.
What is a factor rate, and is it the same as APR?
A factor rate is a multiplier used to calculate a stated payback amount; it is not the same as an APR. Compare the total dollar cost, payment schedule, and expected payoff time before signing.
What happens if my sales drop? Do I still owe the same amount?
It depends on your repayment method. If you're on percentage holdback, your daily payments automatically decrease when sales drop — the total repayment amount stays the same, but you simply take longer to pay it off. If you're on fixed ACH, payments remain the same regardless of sales. In genuine hardship situations, contact your MCA provider immediately to discuss modification options — reputable providers like Crestmont Capital will work with you.
Are there restrictions on how I use the advance?
No. Unlike SBA loans or certain term loans that require specific use of proceeds, a merchant cash advance can be used for any legitimate business purpose. Common uses include inventory purchases, payroll, marketing, equipment repair, renovations, hiring, and working capital. There are no reporting requirements for how the funds are used.
How much can I borrow with a merchant cash advance?
Crestmont Capital offers merchant cash advances from $20,000 to $500,000. The amount you qualify for depends on your monthly revenue (typically 50–150% of monthly revenue), time in business, credit profile, and existing debt obligations. To get a specific offer, submit our short application — there's no obligation, and checking your offer won't affect your credit score.
Ready When You Are
Take your business to the next level
Review revenue-backed funding options and compare MCA terms against other options available through Crestmont before you accept.