Merchant Cash Advance (MCA) Fast, Flexible Working Capital for Your Business
What Is a Merchant Cash Advance?
A Merchant Cash Advance provides your business with fast access to working capital based on future receivables. Instead of fixed monthly payments, repayment is made through a small portion of your sales until the agreed amount is complete.
Key Benefits:
Fast approvals and quick funding (often 24 hours)
Minimal documentation compared to bank loans
Flexible use of funds
Repayments adjust with revenue flow
Epic Merchant Services works with a broad network of funding sources, giving your business access to competitive and flexible capital options.
Why Businesses Choose MCA Funding?
MCAs help business owners move quickly — especially when traditional financing is slow, difficult, or unavailable.
Ideal For:
- Businesses needing fast cash flow support
- Owners wanting a simple and streamlined process
- Businesses experiencing seasonal fluctuations
- Companies expanding, hiring, or purchasing equipment
Not a Fit For:
- Startups with no revenue history
- Businesses with highly inconsistent bank activity
- Owners unwilling to share bank statements
Because we are not tied to one funder, we can source options that best align with your revenue and operational needs.
Eligibility & Documentation
Basic Eligibility Criteria
Most funding sources look for:
- At least 3 months of recent business bank statements
- Monthly revenue commonly around $20,000+ (varies by provider)
- Business operating 6–12 months or longer
- Limited NSF/overdraft activity
- FICO score typically 500+ (varies)
- Industry must fall within approved categories
- No active bankruptcy
Required Documents
Having these documents ready helps your file move quickly through underwriting.
Standard Requirements:
- Short funding application
- Last 3–6 months of business bank statements
- Valid photo ID for each owner
- Voided business check or bank verification
Additional Documents for Higher Funding Amounts:
- Profit & Loss statement
- Balance sheet
- Accounts Receivable aging report
- Work-in-Progress report
- Most recent business tax return
Underwriting Review Factors
Underwriters focus heavily on cash flow and business stability.
They typically review:
- Average daily balance
- Consistency of deposits
- Number of NSFs/overdrafts
- Incoming vs. outgoing cash flow
- Existing loans or advances
- Trends showing growth or decline
- Any inconsistencies in bank activity
May Require Additional Review:
- Repeated negative daily balances
- Large unexplained deposits
- Recently opened bank accounts
- Multiple existing MCAs (“stacking”)
Common Decline Reasons
Applications are often declined due to:
- Unstable or insufficient monthly revenue
- High NSF/overdraft activity
- Too many existing advances
- Restricted industry
- Mismatched or inconsistent bank statements
- Active bankruptcy
- Low or unpredictable cash flow
Strong Approval Indicators
Approvals come faster and with stronger terms when your business shows:
- High and stable monthly revenue
- Consistent deposits
- Low NSFs
- Strong average daily balance
- Long operating history
- Minimal existing debt
- Growth trend in deposits
- Clean, verifiable statements
Our Funding Process
A clear, straightforward, step-by-step process:
Apply
Submit your basic business details and upload your bank statements through our secure system.
Review Offers
Your profile is evaluated across our funding network. You’ll receive one or more offers with clear amounts and repayment structures.
Verification & Contract
Underwriters verify your documents. Once approved, a contract is issued for e-signature.
Fast Funding
After signing, funds are sent to your business bank account — often the same day or next business day.
Repayment
A small portion of your receivables is automatically remitted daily or weekly until the advance is complete.
Renewals (Optional)
Some funding partners allow for additional capital once a percentage of the current advance is repaid.
Throughout the entire process, you receive updates and support from Epic Merchant Services.
What to Consider Before Accepting Funding
Merchant Cash Advance are powerful tools, but every business should make an informed decision.
Understand These Points:
- MCAs use a factor rate instead of APR
- Payments are frequent (daily or weekly)
- Repayment affects daily cash flow
- You should have a clear purpose for the capital
- Ensure the funding amount aligns with ROI or stabilization goals
- Fast access sometimes comes with higher cost compared to bank loans
Decision Checklist:
- Do your bank statements show stability?
- Is your revenue consistent enough to support repayment?
- Do you understand the full repayment amount?
- Do you know how you will use the capital?
- Does the working capital help your business grow or stabilize?
If these align, MCA funding may be a strong short-term solution for your business needs.
Get Started With Epic Merchant Services
If your business needs fast, flexible working capital, Epic Merchant Services makes the process smooth and straightforward.
How to Begin:
- Complete our quick pre-qualification form
- Upload your business bank statements and ID
- Review funding offers from our network
- Choose the structure that fits your business
- Sign the contract and receive funds — often within 24 hours
Epic Merchant Services gives your business access to a range of funding options so you’re never limited to a single source.
Ready to move forward?
Call Us:
888-959-8356
Start Your Application Today
Speak With a Funding Specialist
Industries We Service
- Healthcare Services
- HVAC
- Learning Centers
- Liquor Stores
- Machinery
- Manufacturing
- Mechanics
- Media / Entertainment
- Medical Companies
- Online Businesses
- Professional Services
- Plumbing
- Rehab Centers
- Restaurant / Cafes
- Retail Stores
- Technology Companies
- Warehouse Businesses
- Utility Companies