Fast, Flexible Funding for Your Business
At FlexLendCapital, we know that when opportunity knocks, you can’t afford to wait weeks for a bank loan. That’s why our Merchant Cash Advance (MCA) program is designed to put working capital in your hands fast — with no complicated paperwork, no collateral, and no long approval process.
Whether you need to purchase inventory, cover payroll, upgrade equipment, or launch a new marketing campaign, our MCAs give you the cash you need to keep your business moving forward.
A Merchant Cash Advance (MCA) is not a traditional bank loan — it’s a purchase of your future business receivables. We provide you with a lump sum of working capital upfront, and repayment is made through consistent daily or weekly payments automatically withdrawn from your business bank account until the agreed-upon amount is fully repaid.
MCAs use a factor rate, not interest, so you know your total repayment amount from the start — no surprises. While payments remain consistent, they’re structured to match your typical cash flow, helping you stay on track without straining your operations.
At FlexLendCapital, we focus more on your cash flow than your credit score. Most businesses qualify with a minimum credit score of 500, so even if your credit isn’t perfect, you may still be approved as long as you have strong, consistent revenue.
500+ (we weigh cash flow more than credit)
3+ months preferred
$10,000+
3–6 months of recent business bank statements
If you meet these criteria, you could be funded within 24 hours.
You can be approved and funded within 24 hours. No waiting, no bank committee meetings, no headaches.
Bad credit? Limited time in business? No problem. We look at your revenue and cash flow, not just your credit score.
Keep your assets safe — MCAs are unsecured.
Most programs are unsecured for qualified applicants
Inventory. Payroll. Equipment. Expansion. Advertising. The choice is yours — we don’t restrict how you use your capital.
Submit a simple application with your recent bank statements.
Most approvals happen the same day.
Funds are deposited right into your account, ready to use.
Daily or weekly payments are withdrawn until the advance is fully repaid.
Merchant Cash Advances are ideal for:
Cover payroll or buy inventory during peak seasons.
Stock up for busy holidays without draining cash reserves.
Purchase materials or hire crews for new jobs.
Bridge insurance payment delays or buy new equipment.
Ramp up ad spend to scale faster.
Our advisors walk you through every step, explaining your approval amount, factor rate, and repayment structure clearly.
No hidden fees, no surprise costs — just clear, honest terms.
We stay with you even after funding, making sure your MCA works for your business.
Need more capital later? Existing clients often qualify for larger, faster approvals.
Your business can’t wait — and with FlexLendCapital, it doesn’t have to.
Apply today and get a funding decision in as little as 24 hours. Our process is quick, simple, and designed to get you back to running your business — not filling out endless forms.
Maria’s restaurant brings in about $60K a month. When she needed $50K quickly to buy new equipment, her bank couldn’t move fast enough.
FlexLendCapital approved her $50,000 MCA in just 24 hours with simple daily payments that fit her budget. The new equipment boosted her revenue, and once she finished repayment, she qualified for an even larger advance to fuel her next expansion.
“FlexLendCapital was fast and easy — the funding helped me grow my business without the stress of a long loan process.”
A: A Merchant Cash Advance (MCA) is an upfront lump sum of capital provided to your business in exchange for a portion of your future receivables. You repay the advance through automatic daily or weekly payments until the agreed-upon amount is fully satisfied.
A: An MCA is not a traditional loan — there’s no fixed interest rate or amortization schedule. Instead, you agree to repay a set amount (determined by a factor rate) through consistent, automated payments. This keeps repayment predictable and aligned with your cash flow.
A: Most businesses can qualify with a minimum credit score of 500, though higher credit scores may qualify for better rates. We focus more on your cash flow and monthly revenue than your credit score alone.
A: Many MCA approvals happen the same day, with funding as fast as 24 hours after approval.
A: Payments are automatically debited daily or weekly from your business bank account until the full balance is repaid.
A: To get pre-approved, you’ll need:
Other documentation (such as a copy of your ID or tax returns) may be requested depending on your approval amount and business profile.
A: Funding amounts are typically based on your average monthly revenue, with most programs offering advances equal to 75%–150% of your monthly sales.
A: Yes — multiple-position MCAs are available as long as your revenue supports the additional payment. We review your current balances, cash flow, and deposit history to determine eligibility for additional positions.
A: Yes, and in many cases, early repayment can qualify you for a renewal or a larger future advance. Some programs also offer discounts for early payoff — ask your advisor for details.
A: MCAs are available to most industries, including construction, trucking, restaurants, retail, healthcare, salons, auto repair, e-commerce, and more — as long as you have consistent monthly revenue and an active business bank account.
A: Payments remain consistent until the advance is repaid. If your revenue drops significantly, speak with your advisor — we’ll review your options and help you plan for the next step once you’re eligible for renewal.
