Merchant Cash Advances

A Merchant Cash Advance (MCA) is one of the fastest and simplest business funding solutions for small businesses in need of working capital. Apply for a merchant cash advance from Greenbox Capital® and get up to $500,000 in funding in just 24 hours.

What is a Merchant Cash Advance?

When you receive a merchant cash advance from Greenbox Capital®, we’ll provide you with a lump sum of capital in exchange for a percentage of your business’s future sales. That means you’ll receive working capital now, and we’ll receive a percentage of your sales until the amount of sales we have purchased has been received.

Our Funding Advisors will work closely with you to create a funding plan that will help jumpstart your business’s growth without maxing out your cash flow. Business owners averaging a minimum of $7,500 per month in sales over the last three months typically qualify for an MCA equal to 70-120% in funding, from as little as $3,000 up to $500,000. We offer both fixed and flexible repayment schedules, and there’s no fixed term.

Merchant Cash Advances are Ideal for:

  • Businesses looking to grow without the hassle of a drawn-out application process at a traditional lender like a bank
  • Businesses investing in new marketing strategies to fuel growth and drive revenue
  • Businesses planning an expansion or hoping to capitalize on a new opportunity
  • Businesses requiring new or additional inventory for an upcoming promotion, the holiday season, or other large volume advance purchases
  • Businesses needing fast capital in 24 hours

Who Can Benefit from Merchant Cash Advances?

MCAs can help businesses in most industries, including:

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    Automotive Businesses

    Car dealers, auto repair shops, car parts stores, accessory manufacturers & more.

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    Construction Companies

    Contractors, electricians, plumbers, specialty tradespeople, & more.

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    Medical Practices

    Surgeons, psychiatrists, dermatologists, veterinarians, and all specialties. 

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    Retailers

    Convenience stores, salons & spas, clothing stores, specialty stores, & more.

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    Manufacturers

    Metal manufacturing & machinery, food production, electronics, & more.

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    Business Services

    Advertising, maintenance, equipment rental, computer programming, & more.

Merchant cash advances can also benefit restaurants, dental practices, attorneys, dry cleaners, gas stations, pharmacies, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

How Merchant Cash Advances Work

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    Submit your one-page application

    You’ll need three months of business bank statements and other financial records. For faster approval, grant us secure access to your bank account’s transactional data.

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    Choose your funding

    A Funding Advisor will reach out to you within 1 hour (during regular business hours) to complete your application and discuss your business funding options.

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    Get funded

    Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours.

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    Repay your MCA

    There are two ways to repay a merchant cash advance: Automatic daily or weekly payments, or based on a percentage of your monthly sales.

Will Your Business Qualify?

Approval for a business cash advance from Greenbox Capital isn’t based on your credit score alone. We know that credit scores don’t tell the whole story, so we focus on the overall health of your business. Here are some factors we consider:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Why Get Funded by Greenbox Capital?

Unlike traditional banks and other alternative lenders, at Greenbox Capital we actually care about your business. Your success is what matters to us most, so we’ll never over-leverage your business by giving you more funding than you can handle. Plus, our streamlined application and fast approval process makes it easy for you to get the working capital your business needs, and our knowledgeable Funding Advisors will be beside you every step of the way.

Merchant Cash Advance Q&A

Q: What type of business qualifies for a merchant cash advance?

A: Any business that accepts credit and debit card payments may benefit from a merchant cash advance, regardless of industry. Our team of knowledgeable Funding Advisors will work with you to assess your eligibility.

Q: How do I qualify for a merchant cash advance?

A: Every business is unique. It’s always best to speak with one of our Funding Advisors to review your circumstances and assess your eligibility. In general, we look for consistent revenue with minimum monthly receipts of $7,500 or more, and 6+ months in business. We know that credit scores don’t tell the whole story, so we also consider the overall growth potential of your business.

Q: Are there restrictions for how the funding is used?

A: We do not restrict how you can use your merchant cash advance funding. We believe small business owners understand best what they need to do to grow their businesses, so while our team may provide some coaching, the final decision is yours.

Q: What is the interest rate on a merchant cash advance?

A: A merchant cash advance does not have an interest rate because it is not technically a loan. An MCA is an advance against future sales. The cost of the advance is called a “factor rate”, and it varies based on each business.