Business funding from $30K to $5M — in as fast as 1–2 business days.
Receive a lump sum of cash in exchange for a small percentage of your future credit and debit card sales.
- No collateral required.
- 680+ personal credit score.
- Approval based on your business cash flow.
What Is a Merchant Cash Advance?
A merchant cash advance, or MCA, provides upfront business funding in exchange for an agreed portion of future sales or receivables. It is generally structured as a purchase of future revenue rather than a traditional business loan.
The provider evaluates your recent sales, bank activity, and existing obligations to determine an offer. Collections may come from a percentage of card sales or scheduled business bank account withdrawals, depending on the agreement.
What matters for your business
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Access to working capital: Receive an upfront amount for an eligible business purpose.
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Revenue-focused evaluation: Your business activity matters alongside your credit profile.
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Frequent collections: Daily or weekly withdrawals can affect the cash available for operations.
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Offer-specific terms: Cost, collection method, reconciliation rights, and other obligations depend on the agreement.
An MCA can carry a higher cost than conventional financing. The right decision depends on whether the business benefit justifies that cost and your cash flow can support the collections.
Is Your Business Ready to Apply?
Start with these initial screening criteria:
At Least 6 Months in Business
Your business should already be operating and generating revenue. This program is not intended for pre-revenue startups.
Consistent, Verifiable Revenue
Recent deposits and sales should demonstrate ongoing business activity. Revenue requirements vary by provider and funding structure.
Personal Credit Score of 680+
Credit is one part of the evaluation. Revenue consistency, bank activity, and existing financing also influence the decision.
Four Recent Business Bank Statements
Prepare your four most recent monthly statements for an initial review. Additional statements or card-processing records may be requested.
Meeting these criteria does not guarantee approval. The review also considers available cash flow and current financial obligations.
Have existing financing? Include the current balances and payment amounts so we can assess your request accurately.
Put Capital Behind a Clear Business Purpose.
Purchase Inventory
Prepare for proven demand, replenish fast-moving products, or evaluate a supplier opportunity with a clear expected margin.
Keep Essential Equipment Working
Address repairs or replacements that help maintain service and protect existing revenue.
Prepare for a Busy Season
Cover inventory, supplies, or staffing ahead of an established seasonal sales cycle.
Support a Measurable Growth Opportunity
Fund an initiative with a defined budget, realistic revenue expectations, and a practical timeline.
Know the Cost.
Understand the Cash Flow.
Before accepting an offer, look beyond the funding amount. Review how much reaches your account, the total amount to be collected, and the impact on daily operations.
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Net Funds Received
The amount available to your business after any disclosed fees or existing balances paid from the proceeds.
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Total Purchased Amount
The total future receivables the provider is purchasing under the agreement.
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Collection Amount and Frequency
How collections are calculated, when withdrawals occur, and how they affect cash available for payroll, rent, and suppliers.
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Adjustment and Early Completion Terms
Whether the agreement allows reconciliation when revenue changes, how to request it, and whether completing the agreement early reduces the cost.
A simple factor-rate example
For illustration only, a $50,000 advance with a 1.30 factor produces a total purchased amount of $65,000—a $15,000 difference before any additional fees.
A factor rate of 1.30 does not mean a 30% annual interest rate or APR. The annualized cost depends on collection timing and other terms. Fees may also reduce the amount you actually receive.
This example is not a GoKapital quote or an offer.
From Application to an Informed Decision.
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STEP 01
Tell Us About Your Business
Provide your requested amount, intended use, revenue, time in business, and existing financing.
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STEP 02
Submit Your Documents
Share recent business bank statements and any additional records requested for the review.
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STEP 03
Review Available Terms
Evaluate net proceeds, total cost, collection frequency, and contractual obligations. Ask questions before accepting an offer.
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STEP 04
Complete Verification and Funding
If approved and you choose to proceed, complete the agreement and final verification. Funding timing depends on the provider, documentation, and bank processing.
Having complete, accurate documents ready helps avoid unnecessary delays.
Start With Your Business Needs.
A funding request should begin with what you want to accomplish—and what your business can reasonably support.
GoKapital helps business owners explore financing through its network of funding providers. Your application gives us a starting point to review available options based on your revenue, goals, and current obligations.
A Clear Funding Purpose
Explain what the capital will do for your business so the request reflects a real operating need.
A Complete Financial Picture
Include existing loans and advances so available options can be evaluated in context.
More Than One Possible Path
Depending on eligibility, a business line of credit, term loan, or equipment financing may be worth considering alongside an MCA.