Need Emergency Funding?
24-hour response for urgent deals
Immediate Working Capital Based on Your Future Sales
A Merchant Cash Advance (MCA) is not a loan, but a purchase of future receivables. It is designed for businesses that need fast access to capital without the stringent requirements of traditional bank loans. We advance you a lump sum today, and you repay it through a small percentage of your daily credit card sales or bank deposits.
Why Choose Our Merchant Cash Advance?
Designed to solve real business challenges with speed and flexibility.
Speed to Funding
Receive funds in as little as 24-48 hours.
High Approval Rates
Approval is based on revenue, not just credit score.
Flexible Repayment
Payments scale with your sales volume—pay less when business is slow.
No Collateral Needed
Unsecured funding that doesn't put your personal assets at risk.
Key Features
- Funding amounts from $5,000 to $500,000
- No fixed monthly payments
- No application fees
- Bad credit is often accepted
- Renewable capital source
Eligibility Requirements
- 6+ months in business
- $15,000+ monthly revenue
- 500+ FICO score
- Business bank account
How It Works
Simple, transparent, and fast.
Apply Online
Complete our simple 5-minute application.
Submit Statements
Upload your last 3 months of business bank statements.
Get Approved
Receive an offer within hours.
Receive Funds
Funds are wired directly to your account.
Common Use Cases
Inventory Purchase
A retail store stocking up for the holiday season rush.
Equipment Repair
A restaurant needing to immediately replace a broken walk-in freezer.
Marketing Campaign
An e-commerce brand launching a new ad campaign to drive sales.
"The speed was incredible. I applied on Tuesday morning and had the funds to buy inventory by Wednesday afternoon. It saved our holiday season."
James Miller
Owner, Miller's Hardware
Frequently Asked Questions
Ready to Fund Your Growth?
Join thousands of business owners who trust Cinch Lending for their capital needs.
Ready to Grow?
Fill out the form below to get started. One of our funding specialists will reach out to discuss your options.
Fast Response
We typically respond within 1 hour during business hours.
Secure Process
Your data is encrypted and protected.
No Obligation
Requesting information is free and non-binding.