Merchant Cash Advance (MCA)
Fast, Flexible Business Financing Driven by Your Sales, Not Your Credit Score
When your business needs immediate cash flow to capture growth opportunities, cover unexpected expenses, or bridge operational gaps, traditional bank loans can take weeks—or even months—to process.
At Biggs Funding Solutions, our Merchant Cash Advance (MCA) program provides high-growth businesses with rapid access to capital based on your future credit card and daily revenue streams. Receive capital funding from $10,000 to $1,000,000+ in as little as 24 to 48 hours with minimal documentation and zero hard asset collateral requirements.
Direct MCA Facility Console
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a traditional bank loan. It is a commercial purchase of your business's future sales or daily receivables at a discounted rate.
In exchange for a lump sum of working capital today, your business repays the advance through a small, manageable percentage of your daily credit card sales or daily/weekly ACH bank transfers. Repayments automatically scale with your revenue—when business is booming, you pay down the advance faster; during slower periods, your daily remittance automatically adjusts to match your cash flow.
Benefits of an MCA with Biggs Funding Solutions
Designed to provide high-growth enterprises with frictionless capital without traditional banking obstacles.
Rapid Access to Capital
Get approved in as little as 4 hours and funded within 24 to 48 hours.
No Hard Collateral Required
Unlike traditional bank financing, MCAs are unsecured business advances—no real estate or inventory pledges required.
High Approval Rates
We evaluate the health and volume of your ongoing business revenue, not just your personal credit score.
Flexible Revenue-Based Repayments
Automated daily or weekly ACH remittances align directly with your cash flow volume.
Unrestricted Use of Funds
Allocate your capital where your business needs it most—inventory, payroll, expansion, marketing, or emergency repairs.
Streamlined Documentation
Say goodbye to endless paperwork and multi-year tax return requirements.
How You Can Use Your MCA Capital
Direct flexibility to deploy working capital into high-ROI business initiatives.
Purchasing Bulk Inventory
Secure volume discounts on high-demand inventory before peak seasons.
Marketing & Business Expansion
Run new advertising campaigns, open additional locations, or upgrade your digital infrastructure.
Working Capital & Cash Flow Management
Smooth out seasonal revenue fluctuations and manage immediate payroll demands.
Equipment & Tech Upgrades
Replace or repair essential equipment without locking up liquid cash reserves.
Tax Payments & Emergency Expenses
Take care of unforeseen liabilities or tax obligations without operational downtime.
Qualification Criteria & Eligibility
We make applying straightforward. If your business meets the following basic criteria, you are eligible to apply:
Eligibility Metrics
Fast-track cash flow qualification benchmarks
Application Requirements: What You Need to Apply
Getting started takes less than 5 minutes. Unlike traditional banks that require extensive financial audits, tax returns, and corporate balance sheets, our application process requires only:
- 1Simple 1-Page Application:Basic details about you and your business.
- 2Last 3 to 4 Months of Business Bank Statements:Showing continuous active revenue and deposit activity.
- 3Last 3 to 4 Months of Merchant Processing Statements:(Only required if your business accepts credit/debit card payments).
- 4Government-Issued ID & Voided Check:For final verification and direct funding transfer.
How the Process Works (3 Simple Steps)
A friction-free, 100% digital funding pipeline delivering capital in 24 to 48 hours.
Submit Your Application
Fill out our quick online application form and upload your recent business bank statements.
Receive Custom Offers
Our underwriting team reviews your cash flow and delivers tailored funding options with transparent factor rates and flexible remittance schedules within hours.
Receive Same-Day / Next-Day Funding
Review and sign your funding agreement electronically, and receive capital transferred directly into your business account.
Interactive MCA Sizing & Remittance Calculator
Simulate advance capital, factor pricing, and automated remittance schedules in real time.
Paced across ~194 business days
Ready to Accelerate Your Business Cash Flow?
Don't let rigid bank requirements hold your business back. Get the working capital you need to scale today.
Speak directly with a financing specialist at Biggs Funding Solutions to custom-tailor your working capital strategy.
$10,000 to $1,000,000+ • Daily/weekly revenue remittance • Zero fixed collateral