Need fast, flexible funding for your business—but tired of slow, old-school bank loans?
Merchant advance capital might be your perfect fit, letting you tap into tomorrow’s sales for cash today—with no collateral, no hidden fees, and approval in as little as 24 hours.
At SVP Funding Group, our motto is No Strings. Just Capital. We help small businesses secure capital quickly, adapt to cash flow ups and downs, and focus on growth—not paperwork.
Quick Comparison: How Does Merchant Advance Capital Stack Up?
Want to see how merchant cash advances compare to other funding tools?
Check out our Invoice Factoring vs. Merchant Cash Advance: 2025 Small Business Guide for a side-by-side breakdown of your top options.
What Is Merchant Advance Capital?
Merchant advance capital—also called a merchant cash advance (MCA)—provides an upfront lump sum in exchange for a portion of your future sales. Unlike a loan, there’s no fixed monthly payment or collateral required. Repayments are tied directly to your daily credit card or debit sales, so you pay more when business is booming and less when things slow down.
Key Benefits:
-
Approvals in 24–48 hours—funds in your account fast
-
No collateral required or perfect credit needed
-
Repayment matches your revenue cycles, not a rigid calendar
-
Transparent, easy-to-understand costs—no surprises
How Merchant Advance Capital Works at SVP Funding Group
-
Apply online in minutes—just provide basic business info and recent bank/processing statements
-
Get approved quickly—our experts review your business’s cash flow, not just your credit score
-
Receive funding fast—most businesses get funds in 1–2 business days
-
Repay automatically—a set percentage (typically 5–20%) is deducted from your daily sales until the advance is fully paid off
Want to see if you qualify instantly? Try our Business Loan Calculator with zero impact on your credit.
Merchant Advance Capital vs. Invoice Factoring: Which Is Better?
Both merchant advance capital and invoice factoring deliver rapid working capital, but each serves different needs:
-
Merchant advance capital: Best for retail, restaurant, or service businesses with strong card sales and variable daily revenue. You repay as you earn.
-
Invoice factoring: Best for B2B companies waiting on outstanding invoices from other businesses. Get paid now instead of waiting 30–90 days.
Want the full story? Don’t miss our in-depth Invoice Factoring vs. Merchant Cash Advance Guide.
Costs, Repayment, and Transparency
At SVP Funding Group, you’ll never be surprised by hidden fees or fine print.
-
Factor rates (usually 1.1–1.5) clearly show your total repayment upfront
-
No penalties for early payoff
-
No collateral or personal assets on the line
Example: Borrow $30,000 at a 1.2 factor rate? Repay $36,000, with payments flexing to your daily revenue.
Who Benefits Most from Merchant Advance Capital?
-
Retailers and restaurants with fluctuating sales
-
Service businesses managing seasonal highs and lows
-
Startups and entrepreneurs who need capital fast, not red tape
-
Any business that wants cash flow flexibility—without risking assets
How to Get Approved—Fast
-
3+ months in business and $5,000+/month in credit/debit sales
-
Recent bank and merchant processing statements
-
Clean business history (no recent bankruptcies)
-
Apply online and receive a personalized offer in hours
Stuck? Chat with our SVP AI Agent 24/7, or Contact Us for expert guidance.
Real Business Results
“We needed $40,000 to cover inventory ahead of the holidays. SVP Funding Group approved us in a day and took repayment from daily sales—no stress when business slowed. We’ll use them again!”
— Houston Retail Owner
“Our restaurant saw a 30% increase in revenue after using a merchant cash advance to upgrade kitchen equipment—repayment adjusted perfectly to our busy and slow seasons.”
— Dallas Restaurant Operator
FAQs
How quickly can I access funds?
Most businesses are approved within 24 hours and receive funds in 1–2 business days.
Does my credit score matter?
Approval is based mostly on your business performance and sales—not perfect credit.
How are repayments handled?
A set percentage of your daily card sales is automatically deducted—no fixed monthly payments.
Are there any hidden fees or prepayment penalties?
No. At SVP Funding Group, all terms are clear upfront, and you can pay off early with no penalty.
How does this compare to other options?
See our 2025 Guide to Small Business Funding Solutions for details.
Ready to Fuel Your Growth?
SVP Funding Group delivers on “No Strings. Just Capital.”
Apply online now, use our Business Loan Calculator for instant estimates, or contact our team for tailored recommendations.
