Merchant Cash Advance: Quick Capital for Your Business

Unlock the potential of flexible financing with our Merchant Cash Advance (MCA) offerings. At Sterling Street Financial LLC, we streamline the process, ensuring you receive funds swiftly with adaptable repayment terms.

No Obligation,


Apply in Minutes

Fill out our online form and get approved quickly.

Compare Options

Both secured and unsecured loans with no personal guarantee.

Customize Terms

Choose what best suits you and your company’s needs.

Get Funded

Funds in as little as 24 hours, directly to your account.

Why Choose a Merchant Cash Advance?

Jack P.

Funding Advisor

MCAs offer businesses an upfront sum, repaid through a percentage of daily credit card sales. Unlike traditional loans, MCAs don’t require stellar credit scores or extensive financial records, making them a go-to choice for many businesses.

Quick Access to Capital

Easy Approval Process

Suitable for various needs

Lower Credit is Okay

Delving into Merchant Cash Advances

Often termed as “Business Cash Advance” or “Credit Card Factoring,” an MCA provides businesses with a lump sum, repaid via a portion of daily credit card sales. This flexible repayment model adjusts with your sales volume, making it a preferred choice for businesses with fluctuating revenues. MCAs are especially beneficial for businesses with limited credit history or collateral.

MCAs are unique, with repayments based predominantly on your monthly credit card sales. Strong card sales can expedite your repayment, while slower months adjust your repayments accordingly. Each MCA comes with a Factor Rate, determining the total repayment amount. For instance, an MCA of $50,000 with a factor rate of 1.4 means you’d repay $70,000 in total.

MCAs stand out due to their easy qualification process and rapid approval times. Their flexible repayment structure is a boon for seasonal businesses, adjusting with your revenue flow. This means during peak seasons, you can repay more, and during slower periods, your repayments decrease.

While MCAs are accessible, they can be pricier than traditional loans. The daily deductions might strain your operational funds, especially during prolonged slow periods. Also, early repayments don’t offer any cost benefits.

Typically, businesses that qualify meet the following:

  • Annual Revenue: $120K+
  • Credit Score: 500+
  • Time in Business: 5 months+
  1. Evaluate Your Needs: Ensure an MCA aligns with your financial aspirations.
  2. Assemble Your Documents: Essential documents include a driver’s license, recent business bank statements, and credit card processing records.
  3. Submit Your Application: Use our online portal or contact us directly.
  4. Discuss with Our Expert: A dedicated representative will clarify rates and terms.
  5. Receive Funds: Post-approval, funds are transferred to your account within 1-2 business days.

Don’t fret! If an MCA isn’t suitable, we’ll guide you to other financing avenues that align with your business’s financial health.

Steps to Secure Business Funding with Sterling Street Financial

1. Submit Your Online Application

Use our user-friendly platform to quickly request funding. Assistance is just a call, chat, or email away.

2. Talk to Our Experts

Our seasoned experts are ready to guide you through every step, ensuring you are armed with all the necessary information.

3. Get Funded!

After approval, funds are swiftly deposited into your account to boost your business growth.

Online Application

Ready to grow your business to new heights?