Businesses often need financing to buy inventory, invest in equipment, expand operations, or smooth out uneven cash flow.

Merchant cash advances are best for filling short term needs when you have difficulty qualifying for other options. With a merchant cash advance (MCA), you get a lump sum in return for selling a sale of your future sales that you pay back with a percentage of your sales until the advance is repaid.

Merchant cash advance lenders typically base approval and terms on your sales history more than on your credit rating or other factors. Because repayment amounts fluctuate with your daily sales, an MCA can have a gentler impact on cash flow than a term loan can.