Merchant Cash Advance | Direct 2 Capital

Merchant Cash Advance to assist with any business need

Our merchant cash advance helps you plan for a successful future. Get fast access to the working capital you need to grow your business.

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A MCA provides businesses with quick access to capital based on future credit card or receivables. In exchange for a lump sum of funding, businesses repay by giving a portion of future sales, offering flexible payment terms aligned with cash flow. To qualify, businesses must accept credit card payments or have other receivables.
This option is perfect for businesses with variable sales or seasonal fluctuations, as payments are based on revenue. The application process is simple, with amounts ranging from $5,000 to $500,000.

Ideal If You..

Accept credit card payments or have other receivables

Experience seasonal fluctuations or irregular sales

Need quick access to capital without loan requirements

Require flexible, revenue-based repayment options tailored to sales performance

Valid Form Of Identification

Provide a valid, government-issued ID such as a driver's license or passport.

Business Account & Routing Number

Provide your business’s active bank account and routing number to facilitate direct deposit and loan disbursements.

Last 3 Months Bank + CC Statements

Submit your business’s last 3 months of bank statements to verify cash flow and financial stability.

Apply

Submit your application online by providing basic business information and required documents, such as ID and bank statements.

Approval

Our team reviews your application, and once approved, you’ll receive a clear offer outlining your loan terms and payment options.

Funded

After approval, your funds will be deposited directly into your business account, ready to use for whatever your business needs.

Merchant Cash AdvanceFAQs

What are the qualifications for a merchant cash advance?
To qualify for an MCA, your business needs to accept credit card payments or have other receivables. Lenders will also review your business's monthly revenue to determine eligibility.
How quickly can I receive a merchant cash advance?
Once approved, you can typically receive funds within 1–3 business days directly into your business bank account.
What are the repayment terms for a merchant cash advance?
Repayment is based on a percentage of your daily credit card sales or other receivables, so the amount varies with your business's revenue.
Can a business with bad credit apply for a merchant cash advance?
Yes, MCAs are more flexible than traditional loans and often don't rely heavily on credit scores, making them accessible for businesses with less-than-perfect credit.
Is a merchant cash advance suitable for all types of businesses?
MCAs are ideal for businesses that process credit card payments regularly, have fluctuating sales, or need quick access to capital for urgent expenses.

Direct 2 Capital

Direct 2 Capital is dedicated to providing fast, flexible financing solutions to small businesses across a variety of industries. We specialize in offering working capital through business loans, lines of credit, and other financial products designed to support your business’s growth. Whether you need funds for expansion, inventory, equipment, or managing cash flow, we provide easy access to the capital you need, with simple terms and quick approval processes.

Apply Now

Valid Form Of Identification

Business Account & Routing Number

Last 3 Months Bank + CC Statements

To qualify for an MCA, your business needs to accept credit card payments or have other receivables. Lenders will also review your business's monthly revenue to determine eligibility.

Once approved, you can typically receive funds within 1–3 business days directly into your business bank account.

Repayment is based on a percentage of your daily credit card sales or other receivables, so the amount varies with your business's revenue.

Yes, MCAs are more flexible than traditional loans and often don't rely heavily on credit scores, making them accessible for businesses with less-than-perfect credit.

MCAs are ideal for businesses that process credit card payments regularly, have fluctuating sales, or need quick access to capital for urgent expenses.