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Merchant Cash Advance

A Merchant Cash Advance (also known as an MCA or ‘credit card receivable funding’) is an alternative funding solution that allows a business who may not qualify for a loan to borrow money based on existing sales. Instead of paying back a set amount each month, you will pay back as an agreed percentage of your EFTPOS sales

Merchant Cash Advance: Eligibility Criteria

Lending criteria may vary lender to lender, so we take the time to understand what your business needs. Generally, when assessing eligibility, a lender will require the following:

Trading for minimum of 3 months

Minimum monthly turnover of $10,000 to $20,000 (depending on time in business)

Registered ABN/ACN

Australian citizen or permanent resident


Frequently Asked Questions

Like most lenders, it can vary on your application, but it can be funded in as little as 24 hours.
Depending on the lender, you could qualify for a Merchant Cash Advance. The lender will consider several factors from cashflow to the overall well-being of the business.
The cost of a Merchant Cash Advance has a set fee that will be disclosed upfront. This fee is also based on other elements, such as risk factors.

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