Merchant Cash Advance

What Is A Merchant Cash Advance?

For starters, a merchant cash advance is much different than a business loan. With a merchant cash advance, a purchase is made from your future receivables. The advance is paid back from a percentage of your business’ future sales. Choice Funding has vast relationships in the lending community, which make it easier for you get the appropriate level of funding for your business. Let us do the hard work while you run your business.

Our Merchant Cash Advance programs are designed to work through your credit card sales in the business. Payments adjust based on your daily credit card volume. Just a $5k minimum in credit card sales a month to qualify! You can borrow as little as $5,000.00 up to $500,000.00.

How Does It Work?

A merchant cash advance is when a lender buys a fixed percentage of your future credit card sales and supplies you the money, minus rates, ahead of time. The program is built so that you fulfill your advance with daily sales until the the advance is paid off in full. These types of advances may be the best fit if your sales and volume fluctuate or if you find that seasonality effects your business, seeing as how it parallels with your cash flow. 

This type of financing is also known as factoring, or accounts receivable financing.


  • 3 months in business
  • $5k minimum monthly credit card sales OR $15k minimum monthly revenue
  • Must deposit at least 10 times per month


  • No set terms
  • Fast pre-approval process
  • Borrow up to $500,000.00
Qualify Now
*Pre-qualification is based on a variety of factors, including your current receivables history. Pre-qualification does not constitute guaranteed funding, loan approval or commitment to fees or term. Successful enrollment is based on broader financial information obtained during the application process.