At Decline Funding, our Merchant Cash Advance (MCA) program is designed to provide fast, flexible working capital for businesses that may not qualify for traditional loans. Unlike a bank loan, which comes with strict credit requirements and lengthy approval processes, an MCA is based on the strength of your business revenues. This makes it one of the most accessible financing options for small and medium-sized businesses.
The process begins with a simple application that requires minimal documentation. We focus on your business potential rather than overwhelming paperwork. Most businesses only need to provide basic information such as ownership details, recent bank statements, and a few key data points about operations. There are no industry restrictions or revenue minimums, so virtually any business can apply with confidence.
Once we receive your application, our underwriting team quickly reviews your information. Unlike traditional lenders who can take weeks to make a decision, we typically provide approvals within hours. We do not penalize businesses for having less-than-perfect credit, and we do not impose revenue restrictions. The only limitations are that merchants must not have open active defaults, and in Texas, only first-position advances can be funded in compliance with state law.
After approval, funds are deposited directly into your business bank account. This process is designed to move quickly so that you can access capital when you need it most — often within 24 to 48 hours. The funding amount is determined based on your sales volume and cash flow patterns, ensuring that your advance is realistic and manageable.
Repayment of a Merchant Cash Advance is not set up like a traditional loan with a fixed monthly payment. Instead, it is structured to move with your business revenue. Payments are made through a small percentage of your daily or weekly sales, which means that during slower business periods, your repayment automatically adjusts downward. This structure helps maintain healthy cash flow and prevents unnecessary strain on your operations.
Our relationship with you does not end once funding is received. We provide ongoing support throughout the life of your advance to ensure your business thrives. Whether you need to adjust your repayment schedule, apply for additional funding, or seek guidance on managing cash flow, our dedicated team remains accessible and ready to assist.
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