$35K–$6M
Advance Range
Merchant Cash Advance
Fast Working
Capital
Get funding quickly with simple documentation and flexible remittances tied to your sales.
- $35K–$6MAdvance Range
- $50KAvg Advance*
- 24–48 hrsTypical Funding
*Average based on historical MCA transactions; not a guarantee of approval or terms. An MCA is a purchase of future receivables—not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA.
Fast Facts
$50,000*
Average Advance
24–48 hrs
Typical Funding After Approval
Guided Support
Qualification Based on Application
*Average amount based on historical Merchant Cash Advance transactions; not a guarantee of approval or terms. An MCA is a purchase of future receivables—not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA.
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a purchase of future receivables. You receive capital up front and repay via fixed daily/weekly remittances or a small percentage of card sales—so payments flex with cash flow. Pricing is via a factor rate (not APR), and funds are typically fast once approved.
Based on future receivables
Remittances match cash flow
Reduces pressure during slow days
An MCA is not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA. Terms and pricing set after full review.
MERCHANT CASH ADVANCE (MCA)
Working Capital via Purchase of Future Receivables
Access $35k–$6M with typical daily or weekly remittances over 6–18 months.
Stratas Financial is a brokerage. An MCA is a purchase and sale of future receivables, not a loan. Remittances continue until the purchased amount is satisfied; factor rates are not APRs. A UCC-1 filing, bank verification, and personal guarantee may be required. Stacking restrictions may apply. MCAs are not available in CA, MO, TX, UT, or VA. Approval, amounts, and pricing are determined by the funding company after full review of bank history, credit, and business performance. By proceeding you agree to Stratas Financial Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.
A Quick Look at Merchant Cash Advances
$35K–$6M
Loans Range
$50,000*
Average Loan Amount
Qualification
Based On Application
Support
Dedicated Funding Specialists
*Average amount based on historical Merchant Cash Advance transactions; not a guarantee of approval or terms. An MCA is a purchase of future receivables and not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA.
What is a Merchant Cash Advance?
With our merchant cash advances, you receive upfront capital in exchange for selling a portion of your future receivables. Repayment typically occurs through fixed daily or weekly remittances, or as a percentage of card sales, until the purchased amount is satisfied; pricing uses a factor rate rather than interest.
MCAs are best for short-term needs when speed and flexibility matter. Typical durations range from about 6–18 months. An MCA is a purchase of receivables, not a loan, and may involve a UCC-1 filing and personal guarantee depending on the funder.
Top Benefits of Using Merchant Cash Advances
Built for speed, flexibility, and clear approvals when traditional loans won’t move fast enough.
An MCA is a purchase of future receivables, not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA. Offers and pricing are determined after full review.
How It Works
-
Fill Out the Form to Get Pre-Qualified
Complete the short form below with basic business info so we can pre-check eligibility fast.
-
Submit Your Application
Upload bank statements and ID, then finalize your application for underwriting review.
-
Receive Funding Offers
Compare offers and terms. Your specialist will help you choose the best fit for cash flow.
-
Get Funded
Finalize docs and receive capital—often within 24–48 hours after approval and verification.
MCA: Quick Eligibility Check
If one of these isn’t a match, you may still qualify for another product.
-
At least $35,000Average Monthly Revenue
-
600 or higherCredit Score
-
12+ monthsTime in Business
A Merchant Cash Advance is a purchase of future receivables, not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA.
Top Benefits of Using Merchant Cash Advances
Built for speed, flexibility, and clear approvals when traditional loans won’t move fast enough.
An MCA is a purchase of future receivables, not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA. Offers and pricing are determined after full review.
How to Apply for a Merchant Cash Advance
-
Fill Out the Form to Get Pre-Qualified
Complete the short form below with basic business info so we can pre-check eligibility fast.
-
Submit Your Application
Upload bank statements and ID, then finalize your application for underwriting review.
-
Receive Funding Offers
Compare offers and terms. Your specialist will help you choose the best fit for cash flow.
-
Get Funded
Finalize docs and receive capital—often within 24–48 hours after approval and verification.
Is a Merchant Cash Advance Right for You?
If your business does not meet these criteria, you may not be eligible for a merchant cash advance. However, you could still qualify for another funding product.
-
At least $35,000Average Monthly Revenue
-
600 or higherCredit Score
-
Minimum of 12 monthsTime in Business
A Merchant Cash Advance is a purchase of future receivables, not a loan. Availability varies by state; not offered in CA, MO, TX, UT, or VA.
What You’ll Need To Apply
Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.
Copied ✓
Required for all applications
Basic Business Information
Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.
Signer Identification
Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.
Business Bank Statements
Last 3–6 months of statements to confirm deposits, cash flow, and account health.
Funding Account Details
Voided check or bank letter with routing and account number for funding and remittances.
Corporate & Ownership Documents
Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.
Product-specific items (requested based on product and amount)
Business & Personal Tax Returns
Common for term loans and SBA requests, or for larger limits and longer terms.
Financial Statements
YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.
Program Packets
Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.
Existing Debt Details
Statements or payoff letters for current loans or advances if consolidating or refinancing.
Collateral & Insurance Evidence
UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.
Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.
Stratas — Where Capital Meets Growth
Capital Deployment Strategy. Funding with a plan.
We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.
Term Loan / Access to Capital
For acquisitions, expansion, and working capital—with a plan behind every dollar.
$250,000 – $6,000,000typical funding range
- Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
- Milestone releases + weekly reviews—you draw only what you need, when you need it.
- SBA options (7(a), 504) Longer Terms Up to 16M
Why this works
Money alone doesn’t fix growth—how you spend it does. We help you decide where each dollar goes and how it comes back.
Every engagement runs on a weekly cadence: owners, targets, and a simple scorecard. You stay in control and see progress in real time.
- 2,500+businesses served
- $100M+funded
- USAnationwide coverage
- SBApartnered programs
How we deploy capital
-
Marketing (B2B & B2C)Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
-
Operational SoftwareCRM, quoting, scheduling, and service tools built around how you sell and deliver.
-
AI SystemsPhone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
-
AutomationsAutomatic handoffs and reminders so tasks happen on time without extra headcount.
-
PaymentsModern processing that releases funds fast and lowers fees—your cash stays in play.
-
Executive ConsultingClear owners, weekly reviews, and 3–5 KPIs that keep momentum.
- SBA Loans (7(a) & 504)
- Lines of Credit
- Revenue-Based Financing (MCA)
- Invoice Factoring
Available nationwide.
Multi-Location Dental Group
We deployed $1.0M across paid media, outbound, CRM clean-up, phone AI, and simple automations. The weekly scorecard tracked booked visits, show rate, and revenue per visit. Funds were released in stages only when each step was ready.
- Payback: ~7 months
- 12-month return: ~2.5× (about +$1.5M net)
- Cost per new patient: down ~18%
- Funds held: none—modern payments
Application Checklist
-
Legal name & DBA, EIN, address, ownership percentages, entity type, industry, and contact details.
-
Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.
-
Last 3–6 months of statements to confirm deposits, cash flow, and account health.
-
Voided check or bank letter with routing and account number for funding and remittances.
-
Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.
-
Often requested for term loans and SBA, or for larger limits/longer terms.
-
YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.
-
Factoring: A/R aging & invoices/POs. Real estate/equipment: contracts, appraisals, environmental. SBA: franchise addenda, etc.
-
Statements or payoff letters for current loans or advances if consolidating or refinancing.
-
UCC search, equipment lists, COI, landlord contact; required when collateral or assignments apply.
Tip: Clean, complete statements + ownership info = faster decisions.
Stratas — Where Capital Meets Growth
Capital Deployment Strategy Funding with a plan.
We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.
Term Loan / Access to Capital
For acquisitions, expansion, and working capital—with a plan behind every dollar.
$250,000 – $6,000,000typical funding range
- Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
- Milestone releases + weekly reviews—draw only what you need, when you need it.
- SBA options (7(a), 504) when longer terms or larger projects make sense.
Why this works
Money alone doesn’t fix growth—how you spend it does. We help decide where each dollar goes and how it comes back.
Every engagement runs on a weekly cadence: clear owners, simple targets, and a short scorecard. You stay in control and see progress in real time.
- 2,500+businesses served
- $100M+funded
- USAnationwide coverage
- SBApartnered programs
How we deploy capital
-
Marketing (B2B & B2C)Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
-
Operational SoftwareCRM, quoting, scheduling, and service tools built around how you sell and deliver.
-
AI SystemsPhone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
-
AutomationsAutomatic handoffs and reminders so tasks happen on time without extra headcount.
-
PaymentsModern processing that releases funds fast and lowers fees—your cash stays in play.
-
Executive ConsultingClear owners, weekly reviews, and 3–5 KPIs that keep momentum.
Deployment playbook
- Validate: Baseline economics, capacity, and constraints.
- Build: Creative, funnel, CRM, and AI/automation builds.
- Launch: Phase-gated spend with benchmarks and guardrails.
- Optimize: Weekly scorecards & rapid A/B iteration.
- Scale: Expand channels and headcount against payback windows.
Multi-Location Dental Group
Objective: Grow new-patient production while reducing no-shows and admin load.
Before
- Fragmented leads & CRM
- Slow responses (mins/hours)
- No-show rate ~21%
After (12 mo)
- Unified CRM + Phone AI
- Responses in seconds
- No-show rate ~9%
- Deployed: $1.0M across media, outbound, CRM clean-up, Phone AI, automations
- Payback: ~7 months
- 12-month return: ~2.5× (about +$1.5M net)
- Funds held: none—modern payments