Merchant Cash Advance

Merchant cash advances allow small businesses to repay a fixed percentage of daily credit card sales transactions until the loan is paid back to the lender in full. With some of the highest approval rates, Merchant Cash Advances are widely accessible to business owners looking to get funding solutions for a number of different issues.

At times when you wouldn’t qualify for a traditional loan, a merchant cash advance can be the right answer for your business. Merchant Cash Advances from EML Capital Group have quick approvals, meaning that business owners don’t need to wait for a long approval process.

Merchant cash advance loans are specifically designed to help your business grow without putting a strain on it. Your credit score does not play a factor, nor any set payback period.

  • Min $2500/month credit card volume
  • FICO score is not a determining factor
  • Must be in business for at least 3 months.
  • All industries are accepted.

How it works

A Merchant Cash Advance (MCA) is a smart alternative to traditional small business loans that is cash flow friendly. Interestingly, it isn't actually a loan at all. It is a purchase of future credit card receivables from your business.

EML Capital Group bases your future credit card sales on your prior six months of business, and provides working capital. Instead of paying one big monthly payment with a set date like a loan, you pay a fixed manageable percentage of credit card sales until paid in full. This allows the business to have the flexibility to not make high payments when business is slow.​

Merchant Cash Advances Vs. Business Loan: What’s the difference?

There are many differences between merchant cash advances and traditional lending; merchant cash advance has a quick application process and less paperwork. EML, however, makes the process short, easy and convenient with its simple application. With our merchant cash advance, your business will be able to survive because we focus on the potential your company has for earnings in the future, and disregard credit scores. We have helped many business owners get through tough financial times, and we can do the same for you.

Advantages of Merchant Cash Advance

One of the biggest advantages of a Merchant Cash Advance is that even with less than perfect credit you can get a flexible payment plan that works for you. Besides for that, there is less paperwork, a quick turn-around time, no collateral or personal guarantee, and you can use the funds for whatever you need such as purchasing, advertising, marketing, hiring, expansion, or just to improve cash flow.

How Can You Get a Merchant Cash Advance?

It’s very easy to start your application for a merchant cash advance. You have three options for applying

  1. You can call 844-EML-FUND (365-3863) to speak with a representative in the USA.
  2. You can complete an online form and leave a message explaining your business needs.
  3. You can request an online chat with a representative.


Speak with a Financial Advisor
1-844-EML-FUND (365-3863)