A Merchant Cash Advance (MCA) is a type of alternative business funding where a business owner receives a lump sum of capital in exchange for a percentage of future daily sales. It is not a traditional loan — it is a purchase of future revenue.
How a Merchant Cash Advance Works
When a business owner receives funding through an MCA, they agree to repay it through a fixed percentage of their daily or weekly business deposits. This means payments are flexible — when business is strong, repayment is faster; when business slows, payments adjust accordingly.
This is fundamentally different from a traditional bank loan, which requires fixed monthly payments regardless of how the business is performing.
Who Uses Merchant Cash Advances
MCAs are commonly used by:
Restaurants with seasonal cash flow fluctuations
Retail stores needing inventory funding before peak season
Service businesses managing gaps between invoices and payments
Any business that needs fast working capital without waiting weeks for bank approval
What to Know Before Applying
Speed: MCA funding is typically available in 24–72 hours
Requirements: Most providers require at least 3 months in business and $10,000/month in revenue
No perfect credit needed: Approval is based on cash flow, not just credit score
Flexibility: Repayment is tied to revenue, not a fixed monthly amount
How One Park Financial Fits In
One Park Financial connects business owners with MCA and other alternative funding options — with a 100% human process that begins with a real phone call the moment you apply. Over $1.5 billion has been funded to more than 55,000 small business owners since 2010.
If an MCA sounds like it could work for your business, find out how much you could access.
José Miguel Vera
SVP of Growth & Marketing
One Park Financial's editorial team brings together funding specialists, business strategists, and small business advocates to create practical content for the entrepreneurs we serve.
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