Direct Money

Alternative Business Funding

Business Funding & MCA

Fast, flexible capital for businesses that need funding quickly — even with less-than-perfect credit. Repayment is tied to your daily revenue, so payments flex with your cash flow.

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$5K–$500K
Funding Amount
24 hrs
Approval Time
Revenue-Based
Repayment
500+
Min Credit Score

A Merchant Cash Advance (MCA) is not a loan — it's a purchase of a portion of your future revenue at a discount.

This makes it one of the fastest and most accessible forms of business funding available, especially for businesses with strong sales but imperfect credit.

Start your application
Approval based primarily on revenue, not just credit score
Funding in as little as 24 hours after approval
Repayment automatically tied to daily card sales
No fixed monthly payment — payments flex with revenue
No collateral required
Accessible to businesses with credit scores as low as 500

Rates & Terms

Competitive rates tailored to your profile.

1.15x
Factor Rate
Starting factor rate
$500K
Max Funding
Based on revenue
24 hrs
Approval
Often same day
500
Min Score
Credit score

How It Works

01

Apply in Minutes

Submit basic business information and 3 months of bank statements. No lengthy paperwork.

02

Same-Day Decision

Our underwriting team reviews your revenue and provides a funding offer — often within hours.

03

Funds in 24 Hours

Accept your offer and receive funds in your business account within 24 hours.

Basic Requirements

What you'll need to qualify.

Business operating for 6+ months
Minimum $10,000 monthly revenue
Owner credit score 500+
3 months recent bank statements
Business bank account
Valid government-issued ID
No open bankruptcies in last 12 months
Active business (not in wind-down)

Frequently Asked Questions

What is a Merchant Cash Advance?

An MCA is an advance against your future revenue. The provider purchases a portion of your future sales at a discount. Repayment is made as a percentage of your daily credit/debit card sales or bank deposits.

How is repayment calculated?

A fixed percentage (called the "holdback") is automatically deducted from your daily card sales or bank account until the advance plus fees is fully repaid. On slow days you pay less; on busy days you pay more.

Is an MCA right for my business?

MCAs are best for businesses that need fast capital, have strong revenue, and may not qualify for traditional loans. They carry higher costs than term loans, so they're best used for short-term needs with high ROI.

Can I get funded with bad credit?

Yes. MCA approval is based primarily on your business revenue and bank statements, not your personal credit score. We work with businesses with scores as low as 500.

Get Business Funding Fast

Revenue-based funding with same-day decisions. No collateral, no lengthy paperwork — just capital when you need it.

Apply for Business Funding Check My Rate