A Merchant Cash Advance (MCA) is a flexible financing option where a lender provides a lump sum of capital to a business in exchange for a percentage of its future credit card and debit card sales, plus a fee.

Unlike a traditional business loan, an MCA is repaid automatically as a fixed percentage of your daily or weekly card sales — so payments rise and fall with your revenue. This makes it an ideal solution for businesses with fluctuating income or those that need funding quickly.

MCAs are not technically loans, which means they typically have fewer requirements than bank financing. Approval is based primarily on your business's monthly revenue and card sales history, not your credit score.

Sunwise Capital offers merchant cash advances ranging from $5,000 to $1,000,000 with same-day approvals and funding as fast as 24 hours — no collateral required.