Get Funded Fast — Compare Top MCA Offers in Minutes

One simple form connects you with the best funding options from trusted providers — no impact to your credit.

✅ Trusted by 10,000+ businesses
✅ No impact to credit score
✅ Funding as fast as 24 hours

See If You Qualify

About

Get to Know US Merchant Advance

Your Partner in Fast, Flexible Business Financing

US Merchant Advance is dedicated to helping small businesses access working capital — quickly, securely, and without hassle.

Whether you're expanding, managing cash flow, or seizing a new opportunity, we connect you with the right funding from our network of top-rated lenders. No hard credit checks to view options, and funds can arrive in as little as 24 hours.

Trusted Provider Network

Over 35,000 businesses served through our partner programs — and counting.

Transparent, Fast, and Confidential

No hidden fees. No red tape. Just a streamlined path to funding that fits your business needs.

Learn How It Works

Why Choose US Merchant Advance

Compare 20+ Providers

Access our network of trusted lenders to find the best rates and terms for your business.

No Hard Credit Check

View all your options without impacting your credit score.

Same-Day Funding

Get your cash advance in as little as 24 hours after approval.

Free & Confidential

Our service is 100% free to use with no obligations and your data is secure.

Compare Top Funding Options

Fast Advance

For quick funding needs

Advance Amount: $5,000 - $250,000

Factor Rate: 1.2 - 1.4

Time to Funding: As fast as 24 hours

Min. Requirements: 3+ months in business

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Growth Capital

Best for established businesses

Advance Amount: $25,000 - $500,000

Factor Rate: 1.1 - 1.3

Time to Funding: 2-3 business days

Min. Requirements: 6+ months in business

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Premium Funding

Lowest rates available

Advance Amount: $50,000 - $1,000,000

Factor Rate: 1.05 - 1.2

Time to Funding: 3-5 business days

Min. Requirements: 1+ years in business

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Trusted By Thousands of Businesses

US Merchant Advance helped me get the funding I needed when the banks said no. The process was fast and they found me a great rate.

- Michael R., Restaurant Owner

I was able to compare multiple offers side by side which saved me thousands. Highly recommend their service!

- Jennifer T., Retail Store

The application was simple and I had funding within 48 hours. Perfect solution for our seasonal cash flow needs.

- David L., Construction

Get My Free Quote Now

How It Works

Step 1: Apply

Fill out a quick form with your business details and funding needs.

Step 2: Compare Offers

Review funding options from multiple trusted providers.

Step 3: Get Approved

Choose the offer that best suits your business goals.

Step 4: Receive Funds

Get funds deposited in as little as 24 hours.

We Help All Types of Businesses Grow

Restaurants & Cafes

Trucking & Logistics

Medical & Dental Clinics

Construction & Contractors

Retail & Ecommerce

Service Businesses & More

Frequently Asked Questions

A merchant cash advance (MCA) is not a loan but rather a purchase of your future sales. The provider gives you a lump sum upfront, and in return, you repay by allowing the provider to take a fixed percentage of your daily or weekly sales until the advance plus a fee (factor rate) is repaid.

MCAs are ideal for businesses that need quick funding, have inconsistent cash flow, or can't qualify for traditional bank loans. They're particularly well-suited for businesses with high credit card sales volumes such as restaurants, retail stores, and service businesses. However, they typically have higher costs than traditional financing, so it's important to compare all your options.

Checking your eligibility and viewing offers through our platform will not affect your credit score as we only perform a soft credit check. However, when you proceed with a specific lender, they may perform a hard credit check which could temporarily impact your score.

With our network of lenders, many businesses receive funding within 24-48 hours after final approval. Some providers can even fund on the same day. The exact timeline depends on the completeness of your application, verification of your documents, and the specific lender's process.

Get Funded Fast — Compare Top MCA Offers in Minutes

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