How It Works
Merchant Cash Advance (MCA) gives you a lump sum of capital, repaid through a percentage of your daily credit card sales. It's ideal if your business is strong on revenue but short on time or collateral.
Inventory
Purchasing inventory to meet demand or prepare for busy seasons.
Cash Flow
Covering cash flow gaps and managing working capital for day-to-day operations.
Equipment
Upgrading or repairing equipment and technology.
Marketing
Funding marketing campaigns and business expansion initiatives.
Payroll
Managing payroll and hiring new employees.
Emergencies
Handling unforeseen expenses or emergencies, such as urgent repairs or unexpected bills.
Rennovations
Renovating or repairing commercial spaces.
Seasonality
Covering seasonal expenses or fluctuations in revenue.
Anomalies
Minimize the impact of unforeseen cash crunches.
Scaling a Viral Product
An eCommerce brand saw a surge in orders after a product went viral. A $180,000 MCA gave them fast capital to restock inventory and boost ad spend, with repayment tied to daily online sales.
Expanding a Freight Fleet
A logistics firm landed a high-volume contract but lacked upfront capital for new vehicles. A $400,000 MCA provided fast access to funds, letting them scale quickly and repay gradually through increased card-based dispatch revenue.
Is This Right for You?
Not every business needs the same kind of funding—and that’s exactly where a Merchant Cash Advance fits in. If your revenue comes in steadily through sales but traditional loans feel slow, rigid, or out of reach, an MCA could be the flexible solution you’ve been looking for.
You need fast, flexible funding
Your business can’t afford to wait weeks. An MCA gets you capital in 24–48 hours, so you can act quickly on urgent needs or growth opportunities.
You prefer revenue-based repayment
Fixed payments can strain cash flow. MCA repayments flex with your sales, easing the pressure during slower periods and scaling with your revenue.
You’ve been in business for 6+ months
You don’t need a long financial track record. If you’ve been operating for six months and bring in steady revenue, you’re likely eligible.
Loan Details
Here's a quick breakdown of what to expect when you apply for a Merchant Cash Advance through Capital Two. From funding speed to repayment terms, we keep it simple, clear, and designed around your business reality, not the bank’s checklist.
$50,000 – $2,500,000
% of future receivables
1–2 business days
Not required
550+
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
