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  • 80% of Applicants Approved
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  • No Collateral
  • Flexible Payment Options
  • Credit Never An Issue

Merchant Cash Advance

Business Funding Programs by Quick Access Capital

Quick Access Capital can provide your business with a Merchant Cash Advance that you can use to cover immediate operating costs and all other normal business expenditures. If you are a small or medium-sized business that accepts credit cards and needs access to cash immediately, browse our merchant cash advance programs below to get started getting cash for your business.
We can have you accepted for our programs within 48 hours and funded within a week. No changes to your credit card processor are necessary. Please visit our Why Choose A Merchant Cash Advance? section for more information on how your business can benefit from our programs.
If your business does not accept credit cards, we can still help you get access to cash with our Microloan programs.


Our Merchant Cash Advance programs


Please click on one of our programs to learn more details about each one and how to apply.

Yes! Program

The Yes! Program is for merchants that do not meet the requirements of our Standard Cash Advance program. The advance is paid back through a holdback percentage on the merchant's credit card sales.

Terms:

  • Advances up to 60% of monthly credit card sales.
  • Advances with 4-6 month terms.
  • Maximum funding amount is $50,000.
  • Factor rate of 1.30

Requirements:

  • Flexible Payment Options
  • Credit Never An Issue
  • Credit Never An Issue

Hybrid Program

The Hybrid Program is a combination of our Standard Cash Advance program and ACH program. The advance is paid back through a combination of a holdback percentage on the merchant's credit card sales and a weekly ACH payment.

Terms:

  • Advances range between 30-60% of gross sales.
  • Advances with 6-10 month term.

Requirements:

  • Processing over $1,000 per month in credit card sales.
  • Minimum of $10,000 in bank deposits per month.
  • Owned and operated for at least 9 months.
  • Clean bank statements with consistent cash flow.

Platinum Program

The Platinum Program is for high quality merchants. The advance is paid back through a holdback percentage on the merchant’s credit card sales or weekly ACH payments.

Terms:

  • Advances up to 175% of monthly credit card sales.
  • Advances with 36 month terms.
  • Low factor rates (1.12-1.29)

Requirements:

  • Clean bank statements with consistent cash flow.
  • Owned and operated over 2 years.
  • Personal credit requirement = Very Good

Standard Cash Advance Program Standard Cash Advance Program

The Standard Cash Advance Program is our standard merchant cash advance for businesses that accept credit cards. The advance is paid back through a holdback percentage on the merchant’s future credit card sales.

Terms:

  • Advances up to 200% of monthly credit card sales.
  • Advances with 3-14 month terms.

Requirements:

  • Processing over $2,000 per month in credit card sales.
  • Owned and operated for at least 9 months.
  • Minimum of 10 credit card transactions per month.
  • Personal credit requirement = Average.