Merchant Cash Advance

Fast working capital based on your sales, not your credit score. Get $10,000 to $2,000,000 in as little as 24-48 hours — no collateral required.

Apply Now — Decision in Hours

What Is a Merchant Cash Advance?

A merchant cash advance (MCA) is not a loan. It is the purchase of a portion of your business's future revenue at a discount. Taurus Funding advances you a lump sum of capital today, and you repay it automatically from a small, fixed percentage of your daily or weekly sales until the agreed amount is complete.

Because repayment is tied to your sales, it flexes with your business: when sales are strong you pay a little more, and when they slow down you pay a little less. There are no fixed monthly loan payments and no interest rate — instead, the total cost is set by a simple factor rate agreed up front.

How a Merchant Cash Advance Works

1

Apply

Complete a short application online or by phone. It takes only a few minutes.

2

Send Statements

Provide your 3 most recent business bank statements so we can verify revenue.

3

Get Your Offer

Receive a funding offer — amount, factor rate, and repayment schedule — often the same day.

4

Sign

Review and sign your agreement electronically. No collateral or lengthy paperwork.

5

Get Funded

Funds are deposited to your business account in as little as 24-48 hours.

Funding Amounts & Terms

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Advance Amount

Typically $10,000 to $2,000,000, based on your monthly revenue.

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Revenue-Based

Repaid as a small fixed percentage of daily or weekly sales (the "holdback").

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Factor Rate

A simple flat cost agreed up front — not compounding interest.

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Term Length

Most advances are repaid over 3 to 18 months.

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No Collateral

Unsecured funding — your business assets are not pledged.

Speed

Approval in hours, funding in as little as 24-48 hours.

Do You Qualify?

Time in business: 3 months or more
Monthly revenue: $10,000+ in gross sales
Business bank account in the company's name
Credit: All credit profiles considered — bad credit OK
Location: U.S.-based business, all 50 states
Industries: Retail, restaurants, trucking, construction, medical, services and more

Frequently Asked Questions

Is a merchant cash advance a loan? ▼
No. An MCA is the purchase of a portion of your future revenue, not a loan. There is no interest rate; the cost is a fixed factor rate agreed up front, and repayment comes from a percentage of your sales.
Do you check my credit? ▼
Credit is not the deciding factor. Approval is based primarily on your business revenue and bank activity, so business owners with poor or limited personal credit can still qualify.
How much can I get? ▼
Advances typically range from $10,000 to $2,000,000, depending on your average monthly revenue. A common rule of thumb is an advance of roughly one month of gross sales.
How fast can I get funded? ▼
Most applications receive a decision within hours, and approved funds are deposited in as little as 24-48 hours after signing.
How is the advance repaid? ▼
Repayment is automatic through a small fixed percentage of your daily or weekly sales (the holdback), or a fixed daily/weekly ACH debit, until the agreed amount is paid in full.
What documents do I need? ▼
Usually just a simple application and your three most recent business bank statements. No tax returns or collateral required for most offers.
Can I get funding with an existing advance? ▼
Often yes. Additional or "add-on" funding may be available depending on your revenue and current balance. Contact us to review your situation.

Ready to Grow Your Business?

Get the working capital you need without the wait. Apply now or call us today.

Apply Now

📞 Call (305) 413-1639