Merchant Cash Advance: Rapid Funding for Your Business

Experience the advantages of flexible financing through our Merchant Cash Advance (MCA) options. At Monera Capital, we simplify the funding process so you can access capital quickly and benefit from flexible repayment conditions.

See How Much Your Business Qualifies For:


Quick Application

Complete our online form and receive a fast answer.

Review Options

Explore the options available for your business.

Tailor to You

Select the best fit for you and your company.

Get Funded

Funding in your account as soon as 24 hours.

Why Take a Merchant Cash Advance?

Jack P.

Funding Advisor

MCAs provide businesses with an immediate lump sum, which is repaid using a portion of daily credit card transactions. unlike conventional loans, MCAs are accesssible without the need for excellent credit scores or detailed financial histories, making them a popular option for many businesses.

Quick Access to Capital

Easy Approval Process

Use as you see fit

Lower Credit is Okay

Diving into Merchant Cash Advances

Also known as a “Business Cash Advance” or “Credit Card Factoring,” a Merchant Cash Advance (MCA) provides businesses with an advance sum that is repaid through a percentage of daily credit card sales. This repayment method is flexible, adjusting to your sales volume, which makes it ideal for businesses experiencing variable revenue. It is particularly useful for businesses with limited credit history or lack of collateral.

An MCA operates with a repayment structure primarily based on your monthly credit card revenue. High sales volumes can accelerate the repayment process, while lower sales will reduce your repayment amounts. Each MCA includes a Factor Rate that specifies the total amount to be repaid. For example, an MCA of $50,000 with a factor rate of 1.4 results in a total repayment of $70,000.

The appeal of MCAs lies in their straightforward qualification criteria and swift approval process. The adaptable repayment terms work well for seasonal businesses by aligning with fluctuations in revenue—allowing you to pay more in high-earning months and less during downturns.

Although MCAs are readily available, they are generally more costly than traditional loans. The frequent deductions from daily sales can impact the liquidity needed for daily operations, particularly during extended periods of low sales. Additionally, there are no financial incentives for early repayment.

Businesses typically eligible for an MCA meet the following criteria:

  • Annual Revenue: $120,000
  • Credit Score: 600 or greater
  • Time in Business: At least 6 months
  1. Evaluate Your Financial Goals: Determine if an MCA is suitable for your business needs.
  2. Gather Necessary Documentation: Prepare essential documents such as your driver’s license, recent business bank statements, and credit card processing statements.
  3. Apply: Either use our online portal or contact us directly to submit your application.
  4. Consultation: Our dedicated representative will explain the terms and rates.
  5. Funds Disbursement: Once approved, funds are typically deposited into your account within 1-2 business days.

If you don’t qualify for an MCA, don’t worry! We will assist you in exploring other financing options that better match your business’s financial needs.

How to Obtain Business Funding with Monera Capital

1. Submit Your Application Online

Navigate our easy-to-use platform to swiftly apply for funding. Help is available via phone, chat, or email whenever you need it.

2. Consult with Our Experts

Our experienced professionals are prepared to walk you through each stage, providing you with all the essential details.

3. Receive Your Funding!

Once approved, we quickly deposit the funds into your account, empowering your business to grow.

We’re Right Here

Understanding that your business is your top priority, we adapt to your schedule.

Funding Experts

With extensive experience in the industry, we know exactly how to achieve results.


We accommodate all financial backgrounds, including those with poor credit.

Ready to take your business to the next level?