Merchant Cash Advance
A Merchant Cash Advance from Encore Commercial Capital Corporation provides businesses with fast access to capital based on their future sales. Instead of traditional fixed monthly payments, repayment is typically made through a percentage of daily or weekly revenue, making it a flexible option for businesses with consistent sales.
Trusted by:
$3+
Billion in financing
Funding
As fast as 4 hours
Approval
As fast as 2 hours
$3+
Small businesses financed
Flexible Repayment Based on Sales
Payments That Adjust With Your Revenue
- Revenue-Based Repayment
- Easier Cash Flow Management
- No Fixed Monthly Installments
- Designed for Active Businesses
Fast Funding for Immediate Business Needs
Quick Capital for Business Opportunities
- Simple Application Process
- Fast Approval Decisions
- Rapid Access to Capital
- Helps Capture Opportunities
Reliable Financing for Growing Businesses
Merchant cash advances can provide the capital businesses need to maintain momentum and support growth. Whether you’re expanding services, upgrading equipment, or increasing inventory, this financing solution offers quick access to funds without lengthy approval processes.
Boost Operational Capacity
Additional capital helps businesses manage increased demand.
Invest in Marketing and Growth
Funding can support promotions, advertising campaigns, or new service launches.
Support Business Expansion
Businesses can use funds to scale operations or open new locations.
Four simple steps to secure a working capital business loan
Explore your options without damaging your credit score
Apply online
Click “Get Started” to apply for a working capital loan.
Gather required documents
We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to start.
Approval in as little as 4 hours
Your loan application will be reviewed and you can get approved in as fast as 4 hours.
Receive same-day funding
If approved, your requested loan amount can be transferred to your bank account as soon as the same business day.
Is a Merchant Cash Advance Right for Your Business?
Pros
- Fast Funding Process – Businesses can often receive funds much faster than traditional loans.
- Flexible Repayment Structure – Payments adjust based on your business revenue.
- Accessible for Many Businesses – Approval may be easier for companies that may not qualify for traditional loans.
Cons
- Higher Financing Costs – Merchant cash advances may cost more than traditional loans.
- Daily or Weekly Repayments – Frequent payments may affect cash flow if not managed carefully.
- Requires Consistent Sales Volume – Businesses generally need steady revenue to qualify.
Why Businesses Choose Merchant Cash Advances
Quick Access to Capital – Businesses can secure funding faster than many traditional loan programs.
Revenue-Based Payments – Repayment adjusts according to business sales.
Flexible Use of Funds – Capital can be used for inventory, payroll, marketing, or expansion.
Designed for Business Flexibility – A financing solution that adapts to the needs of growing businesses.
