Merchant Cash Advance
A merchant cash advance is a purchase of future receivables, not a loan. You receive a lump sum now and repay it through a percentage of your daily card sales. MCAs are offered through our funding partners.
Payments flex with revenue
Repayment is tied to a percentage of your daily card sales. When sales dip, the remittance dips with them. When business is strong, you pay it down faster — so a slow week is never a crisis.
How it's priced
MCAs are priced with a factor rate rather than an interest rate. Your total payback is the advance amount multiplied by the factor rate. Use our MCA calculator to see an estimated total payback and daily payment before you talk to anyone.
What funders look for
Funding partners typically review card processing volume, deposit history, and time in business. Credit is one input, not the only one — which is why businesses that banks turn away are often a fit here.
Set by your funding partner
Advance amounts, factor rates, and remittance percentages are set by the funding partner, not by Clutch Advance, and vary by applicant. Your funding partner discloses them in writing before you sign anything.
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