Provides Same
Get the Capital You Need — Without the Red Tape.
$10K – $500K in Business Funding.
Fast Approvals
Funds in as little as 24hrs
All Business Types
Restaurants, retail, services & more
Simple Process
Apply in minutes, all online
A Different Financing Solution
What Is a Merchant Cash Advance?
There are all sorts of business financing options available from banks and other lenders, such as term loans, mortgages, credit cards, SBA loans and business lines of credit. However, these standard financing methods aren't always ideal for every business and situation.
The concept of a merchant advance isn't complicated. With this type of funding, you receive an upfront, lump sum payment in exchange for a predetermined amount of your business's future credit and debit card sales. Because of this, MCAs aren't classified as loans, so there are no merchant cash advance regulations like there are with other types of business financing.
What Types of Businesses Qualify?
Merchant cash advance qualifications are easier than any other type of business financing. Because the MCA requirements are mainly focused on credit card sales volume and relatively recent cash flow, even business owners with limited operating history, low personal credit scores, or little or no collateral can be approved.
Ideal for businesses with:
- High credit card transaction volume
- Restaurants and retail stores
- Online e-commerce businesses
- Service-based businesses
- Seasonal business operations
Juggling Multiple MCAs?
If your business is juggling multiple MCAs with daily or weekly payments draining your cash flow, our Reverse Consolidation program can bring relief. We structure a new advance that effectively reduces your existing payment burden — giving your business room to breathe and grow again.
- Reduce daily/weekly payment pressure
- Consolidate multiple positions into one
- Improve cash flow immediately
Save up to 45%
Qualified businesses can save up to 45% on their total cost of capital through our reverse consolidation restructuring — keeping more money where it belongs: in your business.
Need a Larger Advance?
Need a larger advance relative to your current positions? TAF Advance can fund files that are leveraged up to 70% with the right qualifications. We evaluate each deal individually, looking beyond simple ratios to assess the full picture of your business's strength.
- Fund files leveraged up to 70%
- Individual deal underwriting — not just ratios
- Strong cash flow can offset higher leverage
Up to 70% Leverage
With the right qualifications — consistent revenue, solid bank history, and strong business fundamentals — we can still get your deal funded even at higher leverage positions.
How It Works
Getting the funding you need is quick and straightforward
Apply Online
Complete our simple online application in just minutes. No paperwork required to get started.
Get Approved
Our team reviews your application quickly. Most approvals happen within 24 hours.
Receive Funds
Once approved, funds are deposited directly into your business bank account.
Grow Your Business
Use the capital to expand, purchase inventory, hire staff, or cover any business expense.
MCA Requirements
We keep the requirements simple so you can get funded faster.
Documents Needed
Full Application Submission
Complete our simple business funding application to get started
4 Months Bank Statements
Most recent 4 months of business bank account statements
Valid ID
Driver's license or passport to verify your identity
Voided Check
A voided business check for direct deposit verification
Minimum Qualifications
Average Monthly Revenue
Minimum monthly sales
Time in Business
Minimum operating history
We Don't Run Credit
No credit check required
Benefits of MCA
A merchant cash advance gives your business the flexibility and speed that traditional loans simply can't match.
Inquire
MCAs are more expensive than regular business loans, but they can be the right solution when you need fast capital and have strong credit card sales. Our team can help you evaluate if an MCA is the best fit for your situation.
What Our Clients Say
Join thousands of satisfied business owners who trusted us
4.9/5
Average Rating
10,000+
Happy Clients
98%
Satisfaction Rate
24hrs
Avg. Response Time
"TAF Advance saved my business. When my equipment broke down unexpectedly, I needed cash fast. They approved my application in less than 24 hours and I had the funds to get back up and running immediately."
Michael Rodriguez
Owner, Rodriguez Auto Repair
Funded
$75,000
Frequently Asked Questions
Contact Us
Have questions? Our funding advisors are ready to help.