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    business customers access working capital

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Direct Small Business Funding Nationwide. Join Us!
Partner with Merchants Capital Access open up new revenue streams with our aggressive commission plans. Get everything you need to grow a thriving merchant funding business: industry-leading tech, cloud-based deal management and world-class support. We are direct funders with a top-class in-house underwriting team, providing over $150 million every year to small businesses across throughout the United States.

What's New


Small-Business Owners Gained Confidence in April

Try the One Up App for Financial Management

7 Tips to Help Manage Cash Flow During a Slow Season

How to Make Sure the Price is Right


Small-Business Owners Gained Confidence in April

The Labor Department reports that job openings fell in March 2015, and that small-business owners in the US were “surprisingly bullish about capital expenditure” in April, signaling that economic growth is back on track (after a discouraging first quarter in 2015). Histoically, small businesses have been responsible for as much as half of private gross domestic product.

What's more, the National Federation of Independent Business said that the Small Business Optimisim Index rose 1.7 points, also in May—the largest gain since December.

However, overall business investment has sagged, leaving many businesses looking for alternative funding sources. This fact is underlines by a nationwide small business trend of low inventory supplies:

“The federation’s survey also found an increase in the number of owners saying that stocks of goods were too low and that they had plans to increase inventory investment. This could be positive for growth in the second quarter after businesses amassed huge stocks at the start of the year, which was seen as at least partly unintended.”

In today's lending climate, it's harder than ever for small businesses to get the financing they need to grow and thrive. With traditional bank loans being out of reach, business owners need flexible funding alternatives. If your business is healthy (sales are consistent) but having trouble with cash flow or low inventory, we can help. Contact an MCA funding specialist to get approved for a safe and flexible cash advance that you can use for any business expense, including inventory, marketing or expansion. With our fast, simple approval process, you can have cash in your account in as little as 3-5 business days.

Working capital is the lifeblood of your business. When you apply for a business cash advance, you are simply receiving an advancement on your future credit/debit card sales, which can be used for any business expense.

Unlike a traditional bank loan, a cash advance requires no collateral, does not affect your credit, and includes a simple flat fee instead of accruing interest -- so you know what you owe from day one. Even better, we can approve your business quickly and have fresh funds in your account within a few days.

And don't forget about our painless repayment options that work on YOUR terms. MCA's "cash-flow friendly" way to access working capital comes with two easy options for repayment: flat deductions, or sales-based deductions (we only get paid when you get paid!). Both options are automatic and worry-free, so you will NEVER have to write a check or deal with late fees.

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