What is Merchant Cash Advance
What is a Merchant Cash Advance?
Running a business comes with ups and downs, and sometimes you need fast access to cash to keep growing or handle unexpected expenses. That’s where a Merchant Cash Advance (MCA) comes in.
In simple terms, an MCA is a flexible funding option that:
- Provides a lump sum of cash upfront: based on your business’s revenue (bank statements from the last 6 months will be required)
- Repays through your daily sales: a small percentage of your credit and debit card transactions goes toward repayment.
- Requires no collateral: approval is based on your recent bank statements, not your assets or credit score.
It’s not a traditional loan with fixed monthly payments. Instead, repayment adjusts with your cash flow, so you pay more when business is good and less during slower periods.
With ACP, you can get approved quickly and access funds in as little as 24–48 hours, so you can focus on growing your business, not waiting on a bank.
Why Choose American Card Payments for MCA?
Not all funding options are created equal. At ACP, we’re committed to providing business owners with transparent, fast, and stress free access to working capital.
Here’s what makes us different:
Fast Funding When You Need It
We know time is critical. That’s why we make sure you can get approved and funded in as little as 24–48 hours.
Transparency & Integrity
You’ll always know exactly what to expect. From clear terms to upfront costs, there are no hidden fees or surprises. We’re here to build trust, not confusion.
No Collateral Required
There’s no need to risk your home, car, or other assets. Your business qualifies based on recent revenue and bank statements, not your credit score.
Flexible Repayment
We understand cash flow matters. That’s why repayment is tied to your sales, so it adjusts with your business’s performance.
Dedicated Support
Our team is here for you every step of the way. You’ll never be left in the dark about your funding options.
Tailored for Your Business Needs
Whether you’re expanding your location, buying inventory, or covering a seasonal dip, we design MCA solutions to fit your goals.