Merchant Cash Advance

What Is A Merchant Cash Advance?

A merchant cash advance is not a loan. With a merchant cash advance you get a lump sum cash advance, but instead of a fixed amount, you pay the advance back with a percentage of your future sales. Choice Funding works with many different lenders to make sure you get the appropriate sized funding for your business. So, let us do the work while you focus on growing your business. 

Our Merchant Cash Advance programs are designed to work through your credit card sales in the business. Payments adjust based on your daily credit card volume. Just $5k minimum in credit card sales a month is needed to qualify. You can borrow as little as $5,000.00 up to $500,000.00. 

How Does A Merchant Cash Advance Work?

A merchant cash advance is essentially a lender buying a fixed percentage of your future credit card sales and giving you the money, minus rates, ahead of time. It is structured so that you fulfill your advance with daily sales until the advance is fully paid. These types of advances might be the best fit if your sales fluctuate or if your business is a seasonal one, seeing as how it parallels with your cash flow. 

This is also known as factoring, or accounts receivable financing.


  • 3 months in business
  • $5k minimum monthly credit card sales OR $15k minimum monthly revenue
  • Must deposit at least 10 times per month


  • No set terms
  • Fast pre-approval process
  • Borrow up to $500,000.00