Revenue-Based Funding (Merchant Cash Advance)
Funding based on your business's sales and deposits — often accessible when traditional loans aren't a fit.
What it is
Funding provided in exchange for a portion of your business's future sales or revenue, typically repaid through daily or weekly remittances tied to your deposits.
A closer look
A Merchant Cash Advance (MCA) is not technically a loan, but rather the purchase of a portion of a business's future receivables at a discount. Instead of charging an interest rate, MCA providers apply a fixed factor rate that determines the total repayment amount. Businesses often receive funding quickly — frequently within 24 to 48 hours of approval — and repayments are automatically collected through daily or weekly ACH withdrawals or a percentage of future card sales. Because approval is based primarily on a business's revenue and cash flow rather than credit score, MCAs are popular among businesses that may not qualify for traditional financing or that need immediate working capital for inventory, payroll, marketing, expansion, or unexpected expenses.
Common uses
Inventory · Payroll · Bridging receivables · Time-sensitive opportunities · Seasonal gaps
Who it may suit
Businesses with consistent deposits and card or bank revenue that need capital quickly or don't fit traditional bank criteria.
Typical documentation
Recent business bank statements and a signed application; sometimes merchant processing statements.
Important considerations
Cost is typically expressed as a factor rate rather than an interest rate. Review the total repayment amount and remittance schedule carefully before accepting — we'll walk you through exactly what an offer means.
Upload Bank StatementsKavero Capital is a commercial finance brokerage. Product availability, structures, and terms vary by funding provider and business profile. Submission does not guarantee an offer of financing.