Merchant Cash Advance
Fast capital based on your future sales.
A merchant cash advance gives your business immediate access to a lump sum of capital, repaid automatically as a percentage of daily card sales. No collateral, no fixed monthly payments, and no long waits. Built for high-risk industries that traditional lenders won’t fund.
Days
Typical Time to Funds
$0
Collateral Required
Flexible
Repayment Scales with Sales
Free Consultation
Let's find the right funding amount for your business.
Days
Typical time to funds
No Collateral
Secured by future card sales
Flexible
Repayments scale with revenue
High-Risk
Industries welcome
How It Works
x
A lump sum today, repaid through tomorrow's sales.
A merchant cash advance is not a loan in the traditional sense. You receive a set amount of capital upfront, and repayment is collected automatically as a percentage of your daily credit card sales – not as a fixed monthly payment.
This means slower sales months result in smaller repayments, which keeps more cash available when your business needs it most. Faster sales months mean you pay back more quickly. The repayment structure moves with your business.
The total cost of an MCA is calculated using a factor rate rather than an interest rate. A factor rate of 1.3 on a $50,000 advance means you repay $65,000 total, with the $15,000 difference representing the cost of the advance. No compounding interest. You know the full cost upfront.
How the Factor Rate Works
$50,000
Advance Amount
x
1.30
Factor Rate
=
$65,000
Total Repayment
This example is illustrative. Factor rates and advance amounts vary by business profile and monthly card sales volume. Green Financial will provide specific terms for your situation.
How an MCA Works - Step by Step
①
Apply and Get Evaluated
Green Financial reviews your average monthly card sales to determine your advance amount and factor rate.
②
Receive Your Advance
A lump sum is deposited into your business account - typically within a few days of approval.
Days
③
Automatic Daily Repayment
A fixed percentage of your daily card sales is automatically deducted and applied toward repayment.
④
Repayment Adjusts with Sales
Slower sales = smaller daily deductions. Stronger sales = faster repayment. No fixed monthly payment ever.
⑤
Fully Repaid and Done
Once you've repaid the full advance plus the factor rate cost, the arrangement is complete. No residual balance, no ongoing obligation.
Complete
Benefits
Nine reasons businesses choose a merchant cash advance.
⚡
Fast Access to Capital
Funds are typically available within a few days of approval. One of the fastest ways for high-risk businesses to access working capital when they need it - without the delays of traditional financing.
🔒
No Collateral Required
Your assets stay yours. MCAs are secured against future credit card sales - not physical property, inventory, or equipment. This reduces your risk and keeps the approval process moving fast.
🔄
Flexible Financing Options
Repayment is tied to your daily sales volume, not a fixed date. Slower months mean smaller deductions. Stronger months mean faster payoff. The structure moves with your business rather than working against it.
✅
High Approval Rates
MCAs are significantly easier to qualify for than traditional loans - especially for businesses in high-risk industries like cannabis, CBD, and kratom where conventional financing is consistently unavailable.
📋
Minimal Paperwork
The application process requires less documentation than a traditional loan. Approval decisions are faster, and funding follows quickly after approval - no months-long review process.
🏬
Use Funds for Any Purpose
No restrictions on how you deploy the capital. Inventory, marketing, expansion, covering operational costs, equipment - the funds go where your business needs them most.
📅
No Fixed Monthly Payments
Because repayment is tied to sales percentage rather than a calendar date, you never have a fixed bill to cover. Cash flow management stays smoother, especially through slower periods.
📊
Generally No Credit Score Impact
MCAs are typically not reported as traditional loans, so they do not usually impact your business credit score. You access capital while maintaining your credit profile.
🏢
Designed for High-Risk Industries
Green Financial specializes in MCAs for businesses that standard lenders won't work with - cannabis, CBD, kratom, smoke shops, and others. Your industry type is not an automatic barrier here.
MCA vs. Traditional Loan
Understanding the difference before you decide.
MCAs and traditional loans both provide capital – but they work differently and suit different situations. Here is what you need to know before choosing.
Fast, Flexible, Sales-Based
– secured against future card sales only.
Funds in days – not weeks or months like traditional approval processes.<
High approval rates – suited for businesses that can’t qualify for traditional loans.
Factor rate cost is different from an interest rate and can be higher than a bank loan. Understand the full repayment amount before accepting.
Best for businesses with strong card sales that need capital fast and can repay through daily volume.ood for asset-heavy businesses wanting maximum capital at the best rate.
Lower Cost, Slower, Stricter
Collateral often required – assets may need to be pledged to secure the loan.
Weeks to months for approval – not suitable for urgent capital needs
Fixed monthly payments regardless of how business is performing that month.
Strict credit requirements – high-risk industries are routinely declined.
Lower interest rates than factor rates on MCAs – cheaper capital for businesses that qualify.
Good for established businesses with strong credit and time to wait for approval.
Who It's For
Industries that benefit most from merchant cash advances.
MCAs work best for businesses with steady card transaction volume. These are the high-risk sectors Green Financial works with most.
🌿
CBD / Hemp
Cover bulk inventory orders, marketing campaigns, or compliance costs without waiting on traditional financing.
🍃
Kratom / Kava
Bridge cash flow between wholesale purchases and retail sales cycles with fast, collateral-free capital.
💨
Smoke / Vape Shops
Handle seasonal demand swings and restock fast-moving inventory without interrupting operations.
🌱
Cannabis Adjacent
Accessory retailers and cannabinoid businesses with steady card sales and immediate capital needs.
💊
Nutraceuticals
Fund production runs, cover supplier payments, and manage cash flow between large wholesale orders.
🔫
Firearms / Ammo
Address supply chain volatility and fund inventory purchases without fixed monthly loan obligations.
💻
SaaS / Tech
Fund sales cycles, development sprints, or marketing pushes while revenue is building toward scale.
🎮
Online Gaming
Cover platform maintenance, player acquisition, and marketing costs with flexible, card-sales-based repayment.
FAQ
Merchant cash advance questions.
What is a merchant cash advance?
How does repayment work?
What is a factor rate and how is it different from an interest rate?
Do I need collateral?
How quickly can I receive funds?
What types of businesses qualify for an MCA?
How much can I borrow?
Will an MCA affect my credit score?
Can I use the funds for any purpose?
How do I apply?
Other Funding Options
Explore other funding structures.
Green Financial offers six funding products. If asset-based lending is not the right fit, one of these may be.
💳
Unsecured Line of Credit
No collateral needed. Revolving access to capital based on creditworthiness.
🔄
Business Line of Credit
Collateral-backed revolving credit for ongoing operational flexibility.
📄
AR Financing
Turn unpaid invoices into working capital - get 70-85% of invoice value within 24-48 hours.
⚙️
Equipment Financing
Acquire equipment with little to no down payment. Own it when paid off.
⚡
Merchant Cash Advance
Fast lump-sum capital repaid as a percentage of daily card sales.