Merchant Cash Advance
Capital priced on your sales, not your credit score
A merchant cash advance turns tomorrow's sales into working capital today. Apply in 2-3 minutes, get a same-day review, and repay as a share of the revenue you actually bring in.
What is a merchant cash advance?
A merchant cash advance (MCA) isn't a loan, it's a purchase of future receivables. Oak Capital purchases a fixed amount of your future sales at a discount, and you receive the funds up front as a lump sum.
Because the transaction is built on your revenue, approval looks at how your business performs, sales volume, cash flow, consistency, rather than your personal credit file. That's why an MCA is often the fastest path to capital for businesses that banks turn away: more than a third of merchants can't get bank money, and MCAs exist for exactly that gap.
Every cost is disclosed up front before you accept, and early repayment savings can be negotiated in advance as part of your agreement.
Who qualifies?
We approve 84.7% of merchants who apply. If your business generates consistent revenue, you're likely fundable, even if a bank has already said no.
| Criteria | What we look for |
|---|---|
| Time in business | 3+ months. Newer businesses can qualify with strong revenue. |
| Credit score | Not a barrier, we've denied 0 applications due to credit. Approval is based on business performance. |
| Revenue | Consistent business revenue. Your cash flow, not your credit file, carries the application. |
| Application | One page, 2-3 minutes. No stacks of paperwork to start. |
How repayment works
Repayment is remitted as an agreed-upon share of your future sales rather than a fixed monthly bill. When revenue is strong, you remit more and complete the agreement sooner; when sales slow, the remittance flexes with them.
The total cost is fixed and disclosed before you sign, there's no compounding interest and no hidden fees. If you want the option to save by completing early, that's negotiated up front so the savings are in writing from day one.
Oak Capital vs. a traditional bank
35% of merchants can't get bank money at all. For the rest, here's what the trade looks like.
| Oak Capital | Traditional bank | |
|---|---|---|
| Application | One page, 2-3 minutes | Long forms and document stacks |
| Decision | Most applications reviewed the same day | Often days to weeks |
| Funding speed | As little as same day, typically 24-72 hours | Typically weeks after approval |
| Credit score | Not a barrier. 0 denials due to credit | Credit-score driven; 35% of merchants can't get bank money |
| Pricing | Every cost disclosed before you accept | Varies by product and fine print |
| Repayment | Options based on your revenue or property | Fixed schedules regardless of cash flow |
Talk it through with a funding specialist
Same-day review, every cost disclosed up front, no obligation to accept.
What merchants use MCAs for
An MCA fits fast-moving needs where waiting weeks for a bank decision costs more than the capital does.
Inventory ahead of peak season
Stock up before your busiest months and repay from the sales that inventory generates.
Equipment repairs & replacement
When a critical machine goes down, same-day capital keeps revenue flowing.
Payroll & staffing surges
Cover payroll while onboarding new contracts or seasonal staff without missing a cycle.
Marketing pushes
Fund campaigns whose returns arrive as future sales, the same sales that repay the advance.
Bridging receivables gaps
Keep operating smoothly when customers pay slowly but expenses don't wait.
Industries we fund
If your business earns revenue, it fits. These are the industries we see most.
- Restaurants & cafés
- Retail & e-commerce
- Construction & trades
- Medical & dental
- Trucking & logistics
- Salons & spas
- Auto repair & services
- Professional services
- Manufacturing
- Hospitality
Merchant Cash Advance FAQs
See what your business qualifies for
One page. 2-3 minutes. A funding specialist will match your revenue profile to the right structure, no obligation.