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Merchant Cash Advances – Fast, Flexible Funding for the Ambitious Entrepreneur

Unlock your business's potential with seamless access to the capital you need – choose a Merchant Cash Advance today!

Loan Amount

Up to $5M

Time to Approval

As fast as 24 hours

Financing Terms

3-24 months

Factor Rate

As low as 1.18*

Optimize cash flow for growth

With a SMS Merchant Cash Advance you can access:

Business financing from $5,000 to $5M
Terms from 3-24 months
Factor rates as low as 1.18*
Automatic daily or weekly remittances

Requirements to qualify

While requirements for a working capital loan may vary, your business will generally need:

To be operating in the United States
6+ months time in business
$20,000+ in monthly revenue**
To deposit revenue in a business bank account
A credit score of 500+

What our customers are saying about working with us!

“A Lifeline for Our Business”

"I can’t express how much this loan has helped my business. We were struggling with cash flow after a large client delayed payment, and I was worried we’d have to cut back on staff. Thanks to this loan, we not only kept everyone on payroll, but we also had the peace of mind to focus on growth instead of survival. The process was so easy, and the funds arrived faster than I expected!"

— Emily R., Small Business Owner

“Making Expansion a Reality”

“Expanding our business felt like a distant dream until I came across this service. Getting a loan so quickly meant we could secure our new location and bring in more clients without missing a beat. The whole process was seamless, and I didn’t have to jump through hoops like with a traditional bank. Honestly, this loan changed our business trajectory.”

— Rachel L., Fitness Studio Owner

“A Huge Relief When We Needed It Most”

“We were in desperate need of new equipment, but I didn’t know where the money was going to come from. When I found out I was approved for a working capital loan in just a few hours, it felt like a weight had been lifted off my shoulders. I could get back to focusing on my business instead of worrying about how to cover our expenses. It’s made all the difference for our future!”

— Mark S., Restaurant Owner

“Breathing Room for Everyday Operations”

“As a small business, cash flow is always a challenge, especially during slower seasons. This loan gave us the breathing room we needed to manage day-to-day operations without stress. I felt supported throughout the entire process, and the fact that I could handle everything online was such a relief. I’m so grateful for this service – it’s been a game changer.”

— Carlos M., Retail Store Owner

How does this work?

Similar to a loan, a merchant cash advance offers flexible financing for your business needs. However, instead of a traditional loan, a merchant cash advance provides capital by purchasing a portion of your future credit or debit card sales.

Fuel your business with extra capital:

Invest in new equipment, inventory, or essential supplies.
Ensure timely payroll for your employees.
Handle unexpected project costs or urgent repairs.

Get stared with 4 easy steps

Explore your options without damaging your credit score.

Pre-qualify online
Click “Get Started” to pre-qualify for a working capital loan

Submit application
Once you’ve completed the application on our site, you can securely upload your last 4 months of bank statements directly through our platform.

Approval in as little as 2 hours
Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Receive same-day funding
If approved, your requested loan amount can be transferred to your bank account as soon as the same business day.

Get Started

Merchant cash advance: advantages and disadvantages

Pros

Use the funds however you see fit, offering a practical short-term solution for your business.
Our flexible remittance plans ensure you only pay what your business can manage each month.
Get the funds you need as quickly as the same business day.
Even with less-than-perfect business credit, qualifying for funds is typically simpler and more accessible.

How does this work?

As one of the top merchant cash advance providers in the U.S., we’ve empowered over 20,000 small businesses to reach their goals.

Unmatched Customer Support

Our team of business specialists is here to guide you every step of the way, from application submission to the final payment.

Seamless Automatic Payments

Payments are automatically deducted from your account, allowing you to focus on growing your business without the hassle.

Frequently Asked Questions

Is a merchant cash advance a loan?

A merchant cash advance (MCA) is not classified as a traditional loan. Instead, it allows a business owner to sell a portion of their future receivables (bank deposits) in exchange for immediate funds. In this arrangement, the provider of the advance, such as Secured Money Solutions, determines the payment amounts based on the business's daily bank deposits. They collect a percentage of those deposits until the total amount of the advance, along with the agreed-upon rate, has been repaid. ”

Are merchant cash advances legal?

Yes, merchant cash advances are legal.

Merchant cash advances are not traditional loans—they are purchases of future payment receivables for an upfront, discounted purchase price.

Because they are true sales and do not come from a traditional bank, there is no fixed payment or term, as well as no principal, interest, or interest rate involved. State usury and/or lending laws do not apply.

Do merchant cash advances hurt your credit score?

A merchant cash advance will not directly hurt your credit score or give you bad credit, but it could indirectly lower your score by raising your outstanding balance and your credit utilization ratio. Enquiring about a business cash advance, however, will not affect your credit score in any way.

How much does a small business cash advance cost?

Cash advances are priced as a total cost of capital with fees and factor rates included. Factor rates are typically based on the risk associated with funding your business.

Unlike many business loans, obtaining a merchant cash advance for your business does not require you to provide any additional assets as collateral. This can be beneficial for smaller businesses that might not have major assets, like real estate or vehicles, to offer.

Is there a financial benefit to paying off your small business cash advances early?

With Secured Money Solutions, merchants can get an early remittance discount. This means a discount is available to business owners who remit their full obligation earlier than the specified terms stated in the initial agreement.

What can you use a merchant cash advance for?

Funds from merchant cash advances can be used for many different purposes, but since it is a type of short-term funding, an MCA is best used for covering temporary cash flow shortfalls.

Small business owners use cash advances for things like buying inventory, paying employees, making emergency repairs, marketing expenses, purchasing equipment, and other short-term expansion projects.

Does your credit score matter for a merchant cash advance?

Although merchant cash advances are often attainable for businesses with credit scores that prevent them from getting traditional business loans, that doesn't mean your credit score isn't a factor at all.

Each merchant cash advance provider has different criteria for approval, but they generally do check your credit score before approving an application.

How do you apply for a merchant cash advance?

Applying for a merchant cash advance is straightforward. Let’s help you get qualified! Simply submit the online application along with your most recent four months of bank statements. Our team will review your application and reach out to discuss your options, all with no obligation on your part.