Merchant Cash Advance
Built for real-world cash flow
Access working capital based on your future card sales and receivables—with repayments that flex as your revenue does.
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a straightforward way for businesses to access working capital without taking on traditional debt. It’s structured as a purchase of future receivables, where ParCap’s network of funders delivers a lump-sum advance upfront in exchange for an agreed-upon percentage of your future daily sales.
There’s no collateral required and no fixed amortization schedule, making it a fast and flexible option for businesses looking to move quickly. An MCA is ideal for companies with steady card sales, strong receivables, or seasonal revenue patterns. Whether you’re purchasing inventory, covering payroll, or investing in growth, an MCA provides quick access to capital that supports your next business milestone.
Strengthen Cash Flow and Unlock Growth
With a Merchant Cash Advance, your business can access the working capital it needs to stay ahead:
✅ Capital amounts typically ranging from $5,000 to $600,000
✅ Flexible terms from 3-24 months
✅ Transparent pricing with clear factor rates and no hidden fees
✅ Automatic remittances that simplify repayment management
Basic Qualification Guidelines
While each provider may vary slightly, most MCA programs require:
✅ A business operating in the United States
✅ At least 6 months in business
✅ A minimum of $10,000–$15,000 in monthly revenue
✅ Active business bank account for daily deposits
✅ A credit score of 500+
How Much Capital Could You Use Today?
Tell us how much capital your business needs - and we'll match you with the best options available today!
How It Works
1. Complete the application
Fill out a short application in just a few minutes.
2. Gather required documents
Prepare a few simple items to speed up approval:
- Driver's license or goverment-issued ID
- Last 3 months of business bank statements
- Last 3 months of card processing or receivables statement
- Business entity documents (if applicable)
3. Review your options
A ParCap specialist reviews your business and presents the best capital options.
4. Access your funds
Once approved, the advance is delivered directly to your business account.
Fuel Your Business Growth with ParCap Solutions
We help business owners access capital quickly through revenue-based solutions tailored to your unique operations and sales volume.
Cover Payroll
Purchase inventory
Hire additional staff
Stabilize cash flow
Upgrade equipment
Expand or renovate
Consolidate business expenses
Hire additional staff
Launch marketing campaigns
Why Business Owners Choose ParCap
Because we make financing human again.
Our clients know they can pick up the phone, get a real person, and have a real conversation about their goals.
Whether you’re launching, expanding, or getting back on track, ParCap Solutions is your partner in growth — every step of the way.
Providing the kind of support every small business deserves.
We know running a business is tough — getting capital shouldn’t be.
Talk to a ParCap specialist who understands your goals and can guide you toward the best options for your business.
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Disclaimer: ParCap Solutions, Inc. is an Independent Sales Organization (“ISO”) that works with multiple third-party funding companies to help connect small and medium-sized businesses with potential financing options. ParCap Solutions, Inc. is not a lender, broker, or funding company and does not make credit decisions or extend credit. All funding is provided by independent third-party providers based on their own underwriting criteria and approval processes. Terms, conditions, and availability may vary by provider and state.