Fast working capital repaid automatically as a percentage of your future sales — no fixed monthly payment.
A Merchant Cash Advance (MCA) isn't technically a loan — it's an advance against your business's future revenue. You receive a lump sum of cash upfront, and repay it through small, automatic remittances taken as a fixed percentage of your daily or weekly sales (or a fixed daily/weekly amount debited from your bank account).
Because repayment is tied to your revenue, it naturally slows down on slower sales days and speeds up on stronger ones — which makes it a popular option for businesses with seasonal or fluctuating cash flow.