Merchant Cash Advances for Dallas Businesses
Get up to $600,000 with repayment based on your daily credit card sales - perfect for businesses with fluctuating revenue.
$5,000 - $600,000 advance amount
Key Features
How It Works
Apply Online
Submit your application with recent bank statements showing card sales volume.
Get Approved
We analyze your card sales history and business performance for quick approval.
Receive Funds
Get your capital advance deposited directly to your business account.
Automatic Repayment
A small percentage of daily card sales automatically goes toward repayment.
Flexible Funding That Moves with Your Business
A Merchant Cash Advance (MCA) is one of the most flexible business funding options available. Instead of fixed monthly payments that strain your cash flow during slow periods, an MCA automatically adjusts based on your actual sales volume.
How It Works
When you receive a merchant cash advance, you’re selling a portion of your future credit and debit card sales at a discount. Here’s the basic flow:
- You receive capital upfront - typically 1 to 1.5 times your monthly card sales
- A percentage of daily sales is withheld - usually 10-20% of each day’s card transactions
- Payments adjust automatically - high sales days mean higher payments, slow days mean lower payments
- Repayment continues until the agreed amount is paid - there’s no fixed timeline
Ideal for Seasonal and Variable-Revenue Businesses
MCAs are particularly powerful for businesses with fluctuating revenue:
Restaurants: Busy weekends and slow weekdays? Holiday rushes and January lulls? MCA payments naturally adjust.
Retail Stores: Stock up before peak seasons knowing your repayment will scale with your actual sales.
Service Businesses: Salons, auto shops, and professional services with variable client flow benefit from flexible payments.
Event Businesses: Caterers, photographers, and event planners can manage the feast-or-famine nature of their industry.
MCA vs. Traditional Loans
| Feature | Merchant Cash Advance | Traditional Loan |
|---|---|---|
| Repayment | Percentage of daily sales | Fixed monthly payments |
| Flexibility | Adjusts with revenue | Same payment regardless of sales |
| Approval | Based on sales volume | Based on credit score |
| Collateral | No collateral required | May require assets |
| Speed | Funding in days | Weeks to months |
Understanding Factor Rates
MCAs use factor rates instead of APR. A factor rate of 1.15, for example, means you’ll repay 1.15x the advance amount:
- $50,000 advance × 1.15 factor = $57,500 total repayment
- $100,000 advance × 1.20 factor = $120,000 total repayment
Factor rates typically range from 1.10 to 1.50 depending on your business profile, sales volume, and time in business.
Qualification Requirements
To qualify for an MCA with us, you’ll typically need:
- At least 6 months in business
- Minimum $15,000 in monthly revenue
- Regular credit/debit card sales history
- A business bank account
Credit score is less important than your sales performance. If your business generates strong card sales, you have a good chance of approval even with less-than-perfect credit.
Is an MCA Right for You?
Read our detailed guide on whether a merchant cash advance is right for your business to make an informed decision.
An MCA is a great choice if:
- You have strong, consistent card sales
- You prefer payment flexibility over fixed schedules
- You need capital quickly
- Your credit score has limited your options
- You want to avoid putting up collateral
Ready to see if a merchant cash advance fits your business? Check your eligibility in 60 seconds with no credit impact.
What Our Clients Say
"Perfect for our restaurant. Slow months mean lower payments, busy months we pay more. It just makes sense for our business."
David C.
Dallas, TX
"My retail store needed inventory for the holidays. Got funded quickly and the percentage-based repayment made it easy to manage."
Angela R.
Plano, TX
Frequently Asked Questions
How does merchant cash advance repayment work? expand_more
Instead of fixed monthly payments, a small percentage (typically 10-20%) of your daily credit/debit card sales is automatically withheld toward repayment. When sales are high, you pay more; when sales are slow, you pay less.
Is an MCA a loan? expand_more
Technically, no. An MCA is an advance against your future receivables, not a loan. This distinction means different regulations apply, and approval is based more on your sales history than credit score.
What businesses qualify for an MCA? expand_more
MCAs work best for businesses that process significant credit/debit card sales - typically restaurants, retail stores, salons, medical offices, and service businesses. You'll generally need at least 6 months in business and $15,000+ in monthly revenue.
How much can I receive? expand_more
Advance amounts typically range from $5,000 to $600,000, based on your average monthly card sales. Most businesses can receive an advance equal to 1-1.5x their monthly card volume.
Ready for Merchant Cash Advance?
Get pre-qualified in 60 seconds with no impact to your credit score. Our team is ready to help you find the right financing solution.
Get Started Today