Merchant Cash Advance
Need cash now and repay as you earn? A merchant cash advance advances you a lump sum against future sales, repaid as a percentage of your daily revenue. Compare offers free, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
What a merchant cash advance is
An MCA isn't a loan — it's an advance on your future sales. You receive a lump sum and repay it, plus a fixed fee, through a set percentage of your daily card or bank revenue. Payments rise when you're busy and shrink when you're slow.
How repayment and cost work
Instead of an interest rate, an MCA uses a factor rate — for example 1.2 to 1.5 — applied to the amount advanced. A $20,000 advance at a 1.3 factor means you repay $26,000. Because it's fast and flexible, an MCA can cost more than a traditional loan, so it's best for short-term needs you can repay quickly.
Who an MCA fits
- Businesses with strong daily card or bank-deposit volume
- Owners who need funding in days, not weeks
- Businesses with lower credit that can't get a bank loan
- Short-term needs like inventory, repairs, or covering a gap
What you'll need
- A few months of business bank statements
- Steady daily revenue
- Basic business details — no collateral and no tax returns for most advances
Merchant cash advances by industry
Because an MCA is repaid from daily sales, it fits any business with steady card or deposit volume — restaurants, salons, auto repair shops, retail stores, and trucking operators all use them to bridge short-term gaps. Funding is fast and approval leans on revenue, not your credit score.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
Bad credit? You may still qualify for business funding. Compare offers from our network of lenders with no hard credit pull. See your options in minutes.
Revenue-based financing you repay as a percentage of sales — payments flex with your revenue. Compare offers, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
