Turn tomorrow’s sales into capital today
Get a lump sum up front and repay it as a small, automatic share of your daily sales. Approved on your real revenue, funded in as little as 24 hours — from $5,000 to $500,000.
What is a merchant cash advance?
A merchant cash advance (MCA) is not a traditional loan. It’s the purchase of a portion of your future revenue: The Funding Depot advances you a lump sum today, and you repay it from a small, agreed share of your daily or weekly sales.
Because repayment moves with your revenue, it flexes to your business — you contribute a little more on strong days and less on slow ones. And because the cost is fixed with a factor rate at approval, you know your total from the start. No compounding interest, no surprise fees.
It’s the fastest, most flexible way for a revenue-generating business to get capital without pledging collateral or waiting weeks on a bank.
Key terms, explained
From application to funded — in three steps
Apply in minutes
One short application and a few recent bank statements. No obligation, and the soft credit check won't hurt your score.
Get approved same day
A real underwriter reviews your cash flow — not just your credit — and sends an offer with the total cost fixed up front.
Repay as you earn
Funds hit your account fast, then a small share of daily or weekly sales pays it down automatically.
The benefits of a merchant cash advance
Funded fast
Same-day decisions and funding within 24–48 hours on complete files.
Repayment that flexes
You repay a share of sales — lighter on slow days, faster when business is booming.
Fixed, transparent cost
A factor rate set at approval. You know the total up front, and it never compounds.
Approved on cash flow
We look at your revenue, not just your credit score — so strong businesses qualify.
No collateral to pledge
No hard collateral and no stacks of paperwork to get started.
A real advisor
One person who knows your file start to finish — and stays on for renewals.
Who qualifies for an advance
We underwrite on your real cash flow, so the bar is about your business — not a perfect credit score.
Merchant cash advance vs. other financing
The speed of an online lender with the guidance of a banker — minus the fees and the runaround.
Merchant cash advance questions
What is a merchant cash advance?
A merchant cash advance isn't a loan — it's an advance on your future sales. We provide a lump sum today, and you repay it automatically as a small, fixed share of your daily or weekly revenue until the agreed amount is complete.
How much does a merchant cash advance cost?
The cost is set with a factor rate agreed at approval, not a compounding interest rate. You know the exact total you'll repay from day one — it doesn't grow over time.
How does repayment work?
Repayment is automatic and tied to your sales — a set share of your daily or weekly deposits. When revenue is strong you pay down faster; when it's slow, the amount flexes with you.
What do I need to qualify?
Generally 6+ months in business, consistent monthly revenue deposited into a business bank account, and U.S.-based operations. We underwrite on your real cash flow, so credit is a factor — not an automatic dealbreaker.
How fast can I get funded?
Complete files often get a same-day decision and funding within 24–48 hours.
Is there a benefit to paying early?
Yes — repeat and early-paying customers can earn loyalty discounts on their remaining balance. Ask your advisor how it applies to your file.
What can I use the money for?
Anything your business needs — inventory, equipment, payroll, marketing, seasonal overhead, repairs, or seizing a time-sensitive opportunity.
Explore other funding
Ready for a merchant cash advance?
Apply in minutes and get a decision today. No obligation.