An advance based on your card sales and deposits. Built for established businesses doing $60K+ a month whose credit is still a work in progress.
Check my optionsMCA for Imperfect Credit
A merchant cash advance is repaid from future sales, with the total cost set up front, through our partner, Merchant Fund Express.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
FICO 500+ is considered and the process starts with a soft pull. Consistent card and bank deposits carry real weight.
About 3 months of statements, no tax returns, and a 5-minute form. Qualified businesses can be funded in as little as 24 hours.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
How and when remittances are collected is spelled out in your offer, so you can plan around it.
A merchant cash advance is an advance against future sales. The provider receives a share of card sales or a set amount from deposits on a recurring schedule until the agreed total is delivered. Because repayment comes straight from revenue, reviewers focus heavily on how much revenue you have. That is why FICO 500+ is considered and why an owner doing $80K a month with a 560 score may still have options a bank would not offer.
For more detail, read what funders look at and how NSFs are weighed.
An MCA states a fixed total repayment amount up front. For illustration only, not our terms: if an advance is offered for a stated total, divide the difference between the total and the amount received by the profit you expect the money to generate. If the expected profit does not clearly exceed that cost, the advance is not worth it. Also estimate the daily or weekly draw against your slowest week, not your best one.
With weaker credit, it can be tempting to take several advances at once. Multiple daily draws can squeeze cash flow quickly and make later funding harder. Disclose any active advances on your application; reviewers will see them on statements anyway, and honest files move faster. If you need flexible access rather than a lump sum, compare with a line of credit versus MCA breakdown.
TrueCredit Partners offers credit repair as a separate service. You do not need it to apply for an MCA, and an MCA does not raise your credit score. Apply on the strength of revenue now and work on credit separately if that is part of your plan.
Advances range from $25,000 to $5,000,000 through our partner Merchant Fund Express. The 5-minute application uses a soft credit pull, no tax returns are required, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Apply now.
FICO 500+ is considered. Deposits, card sales, and existing obligations carry heavy weight in the decision.
Not necessarily. Some advances are collected from bank deposits instead of card sales.
Through a share of card sales or a set draw from deposits on a recurring schedule until the agreed total is delivered.
You should not expect it to. Funding and credit repair are separate, and an MCA is not a credit-building tool.
You can apply. Disclose it up front; existing draws reduce the room available and are weighed in the review.
Example uses for illustration only.
Card-heavy businesses can tighten their file with a few steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding