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Funding product

Merchant Cash Advance

Receive an advance against future card sales and repay automatically as a small share of each day's revenue — lighter on slow days, never a fixed bill.

Amounts $5K - $500K Term % of daily card sales Funding Same / next day

What it is

A merchant cash advance (MCA) provides upfront capital in exchange for a small, fixed percentage of your future credit- and debit-card sales. Instead of a rigid monthly payment, repayment flexes with your revenue: you remit a little more on busy days and a little less on slow ones, so the obligation always tracks your actual cash flow.

With minimal paperwork, the fastest approvals in our lineup, and flexibility for lower credit scores, an MCA is built for businesses with strong daily card volume that need capital right now.

Best for

A merchant cash advance tends to be the right fit when:

  • Retailers and restaurants with high daily card volume
  • Seasonal businesses that want payments to ease in slow months
  • Owners who need capital today with minimal documentation
  • Businesses with lower credit scores that still have strong sales
  • Covering a quick opportunity when other products are too slow

How it works

  1. Apply with card-sales data

    Submit a short application and a few months of card-processing statements.

  2. Get a fast offer

    MCAs carry our quickest approvals — often a decision the same day.

  3. Receive funds immediately

    On acceptance, capital lands in your account the same or next business day.

  4. Repay as you earn

    A small set percentage of each day's card sales is remitted automatically until the advance is satisfied.

Rates & terms

Pricing & structure

  • Advance amount$5,000 - $500,000
  • CostFactor 1.15 - 1.45
  • Holdback8% - 20% of card sales
  • Funding speedSame / next day
  • DocumentationMinimal
  • Fixed paymentNone - flexes with sales

Eligibility & requirements

  • Time in business6+ months
  • Monthly card sales$15,000+
  • Credit score500+ (flexible)
  • CollateralNot required
  • Business typeU.S. for-profit
  • Decision timeOften same day

Figures are illustrative and do not constitute an offer of credit. Final rates and terms are set by underwriting and vary by qualifications.

Why owners choose it

Flexes with revenue

Pay more on strong days, less on slow ones — automatically.

Fastest approval

The quickest path to funding of any Northwind product.

Minimal paperwork

A short application and your processing statements are usually enough.

Lower-credit friendly

Strong daily sales matter more than a perfect credit score.

Do you qualify?

Northwind's core requirements

Most applicants qualify for a merchant cash advance if they meet our baseline standards:

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • A U.S.-based, for-profit business

An MCA is purchased against future receivables rather than lent, so qualification weighs your card-sales volume heavily and is forgiving on credit history.

Frequently asked

A fixed percentage (the holdback) of your daily card sales is automatically remitted until the agreed amount is repaid — no manual payments to schedule.

Cost is expressed as a factor rate (e.g., 1.30 on $40,000 means you repay $52,000). Your advisor discloses the total cost before you accept.

MCAs are our fastest product — many businesses are approved the same day and funded the next.

Often yes. Because repayment flexes with revenue, your remittance naturally shrinks during slow periods.

Not quite the right fit? These products solve similar needs:

Popular with these industries

  • Restaurants — payments that flex with daily card sales
  • Retail — fast capital for inventory and promotions
  • Salons & Spas — funding that scales with bookings

Steady capital. Solid partners.

Funding that moves at your pace

Get an advance against your card sales today, with repayment that flexes as you earn.

Apply in 5 minutes Talk to an advisor