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Merchant Cash Advance
Receive a lump sum today in exchange for a portion of your future sales. Payments adjust to the rhythm of your business.
What is a merchant cash advance?
A merchant cash advance (MCA) gives your business an upfront amount of capital in exchange for a fixed percentage of your future receivables. Instead of a rigid monthly installment, repayment is collected through small automatic debits, so it stays proportional to your revenue.
Who is it for?
It is ideal for restaurants, retailers, service companies and any business with consistent card or bank deposits that needs capital quickly — to buy inventory, cover payroll, repair equipment or take advantage of a growth opportunity.
Why choose an MCA with Digerso?
- Decisions in hours and funds in as little as 24–48 hours.
- Credit scores from 500 are considered.
- Renewals available once you have paid 50% of your advance.
- A bilingual advisor guides you from application to funding.
Key benefits
- Approval based on your sales, not only your credit
- No collateral required
- Daily or weekly automatic payments
- Use the funds for any business purpose
Frequently asked questions
It is a type of business funding in which you receive a lump sum today in exchange for a percentage of your future sales. It is not a traditional loan: payments are made automatically and are tied to the performance of your business.
- A stable business for at least six months.
- Gross deposits of $10,000 per month.
- A credit score of at least 500.
- Minimal negative balances in your bank account.
- No open bankruptcies.
- Cash advances from $5,000 up to $1,000,000.
- Terms from 3 to 24 months.
- Payments daily, weekly or every two weeks.
We offer merchant cash advances, working capital, business lines of credit, equipment financing, invoice factoring and funding options for businesses with low credit.
Complete our online application and provide the requested documentation. If you have any trouble, call us and one of our funding specialists will complete the form with you.
Get funded in four simple steps
Prequalification in minutes. Money in your account in days.
Apply online
Fill out our secure application in less than 5 minutes. Applying does not affect your credit.
Get pre-approved
A funding specialist reviews your profile and presents your options in less than 24 hours.
Choose your offer
Compare amounts, terms and payments. Sign your agreement electronically.
Receive your funds
The money is deposited into your business bank account in as little as 48 hours.
What are you waiting for to grow today?
We can help you quickly access the financing you need. Apply online in minutes or talk with a funding advisor.