A Merchant Cash Advance (MCA) provides fast working capital based on your business’s daily or weekly revenue. Instead of traditional interest rates, MCAs use a factor rate and flexible repayment system—allowing your business to access funds quickly and repay as a small percentage of future sales.

MCAs are ideal for businesses that need immediate liquidity for inventory, payroll, repairs, marketing, equipment, or short-term opportunities. With minimal documentation and same-day decisions, this is one of the quickest funding options available.

Funding Amounts:
$5,000 – $500,000+
(Depending on your average monthly revenue)

Repayment:
A set percentage of your daily or weekly revenue until the advance is paid in full.

What You Need to Apply

Completed Clear Line application

Last 3–6 months of business bank statements

Last 3–6 months of merchant processing statements (if applicable)

Driver’s license

Voided business check

Application Review:
Approvals often within hours
Funding as fast as same day

Minimum Qualifications

500+ FICO

6+ months in business

At least $10,000/month in revenue

Consistent deposits and manageable NSFs

Who It’s Best For

Businesses needing fast capital

Companies with strong daily/weekly sales

Businesses that don’t qualify for traditional loans

Seasonal or fluctuating revenue businesses

Companies needing money today, not weeks from now