MCA
Merchant Cash Advance
Fast working capital — repayment scales with your sales.
A BAMFS Merchant Cash Advance gives your business an upfront lump sum in exchange for a percentage of future sales. Approval is based on your revenue rather than your credit, with funding often available in as little as 24 hours.
Amount
$10K – $2M
Term
3 – 18 months
Funding
24-hour funding
Best for
- Businesses with strong daily or weekly sales
- Owners with limited credit history
- Urgent cash flow or growth opportunities
- Restaurants, retail, and service businesses
Why choose this product
Approval on revenue, not credit
BAMFS underwriters look primarily at your sales volume and deposit consistency — perfect for owners rebuilding credit.
Flexible remittances
Repayment is a small fixed percentage of daily, weekly, or bi-weekly receipts — slower sales = smaller remittances.
Renewals & stacking options
Once 50% is repaid, you can qualify for additional capital or restructure with a single BAMFS-managed advance.
Basic qualifications
Meet these criteria and you're well-positioned to qualify. BAMFS reviews each application holistically — call us if you're unsure.
- Time in business: 4+ months
- Monthly revenue: $10,000+
- Business bank account in good standing
- U.S.-based business, no recent NSFs preferred
How it works
Apply in minutes
Submit your BAMFS application and last 3 months of bank statements.
Get offers same day
Most MCA applicants receive offers from BAMFS funding partners within hours.
Funded next business day
Sign your agreement electronically and receive funds wired to your business account — typically next-day.
Frequently asked questions
How is an MCA different from a loan?
An MCA is a purchase of future receivables, not a loan. There is no APR, no fixed monthly payment, and repayment fluctuates with your sales.
How does the factor rate work?
MCAs use a factor rate (e.g. 1.20–1.40) applied to the advance amount to determine the total payback. Your BAMFS advisor will show you the exact total cost upfront — no hidden fees.
How fast can I get funded?
Many BAMFS MCA clients receive funds within 24 hours of submitting bank statements. Larger advances may take 1–3 business days.
Can I qualify with poor credit?
Yes. MCA approvals weigh business revenue much more heavily than personal credit. We've funded BAMFS clients with FICOs under 550 when revenue supports it.
Ready to move forward?
Pre-qualify in minutes — no impact to your credit.