Merchant Cash Advances (MCA)
Fast capital repaid through a percentage of your card sales
A lump-sum advance repaid through a small percentage of your daily credit card sales — perfect for seasonal or card-heavy businesses.
Overview
A Merchant Cash Advance (MCA) delivers a lump-sum advance that is repaid through a small, fixed percentage of your daily credit card sales. Because repayment flexes with your sales volume, it is ideal for restaurants, retailers, and other card-heavy businesses with seasonal or variable revenue. MCAs fund quickly — often within days — and require minimal documentation. They are best suited for short-term needs where speed and flexibility matter more than the lowest cost of capital.
Key Benefits
Funds in days, not weeks
Repayment flexes with your daily sales
Minimal documentation required
No fixed monthly payment pressure during slow periods
Ideal For
Restaurants and cafes with heavy card volume
Retail stores with seasonal sales
Businesses needing fast, short-term capital
Companies that may not qualify for traditional loans
How It Works
A clear, structured process from first call to funded.
Application
Submit a simple application with recent card processing statements.
Offer
Receive an advance amount and factor rate quote within 24–48 hours.
Agreement
Review and sign the advance agreement; we explain every term clearly.
Funding & Repayment
Funds are deposited; a small percentage of daily card sales remits automatically.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
Understanding MCA Factor Rates vs. Interest Rates
MCAs use factor rates, not APRs — which makes them look cheaper than they are. We explain how to convert a factor rate to an effective APR and compare honestly.
When an MCA Makes Sense (and When It Does Not)
MCAs are fast and flexible but expensive. Here is a decision framework for when the speed justifies the cost — and when a term loan or line of credit is the better choice.
Avoiding the MCA Debt Spiral: Repayment Strategies
Stacking multiple advances is a common trap. We explain how to use an MCA responsibly and refinance into lower-cost capital when ready.
Merchant Cash Advances (MCA) Case Studies
Real engagements, real outcomes. See how we have structured merchant cash advances (mca) for clients like you.
Restaurant Bridges Slow Season with $50K MCA
Full-Service Restaurant
The Challenge
A restaurant needed $50K for a kitchen upgrade ahead of the busy season, but uneven off-season revenue made a fixed-payment loan risky.
The Teal Bay Solution
Teal Bay arranged a $50K merchant cash advance with a factor rate aligned to the client card volume, so repayment flexed with daily sales.
The Outcome
Client completed the kitchen upgrade, increased peak-season revenue by 30%, and repaid the advance in 9 months — paying less during slow weeks and more during busy ones.
Frequently Asked Questions
Straight answers to the questions we hear most.
No — an MCA is an advance against future sales, not a loan. This means it is not regulated like a loan and does not build credit the same way. It is fast and flexible but typically more expensive than a term loan.