Merchant Cash Advance — Fast, Flexible Capital When You Need It
Same-Day Approval • No Collateral • Revenue-Based Qualification
When your business needs funding fast, waiting weeks for a traditional bank loan isn’t an option.
At VIP Capital Funding, our merchant cash advance (MCA) programs provide $25 K – $15 MM in working capital — approved and deposited within 24 hours.
A merchant cash advance gives you the agility to cover payroll, restock inventory, launch marketing, or take on new projects without the restrictions of conventional lending.
Why Choose a Merchant Cash Advance
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💰 Funding from $25,000 to $15,000,000
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⚡ Same-day approvals & next-day deposits
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💸 No collateral or hard credit pull
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🏆 BBB A+ accredited lender serving all 50 states
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💼 Early-payoff discounts up to 35 %
How It Works
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Apply Online → Start Your Application
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Receive Approval in Hours — based on revenue performance, not credit score
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Get Funded Same Day — ACH or wire transfer
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Repay Flexibly — via a fixed percentage of future sales
Perfect for Businesses That Need to Move Fast
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Retail & restaurant owners covering inventory gaps
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Contractors or construction companies needing materials up front
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Manufacturers balancing cash flow between projects
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Service businesses launching marketing or expansion campaigns
Program Highlights
| Feature | VIP Capital Funding | Traditional Bank |
|---|---|---|
| Approval Time | ⏱ Hours | ⏳ Weeks |
| Funding Amount | $25 K – $15 MM | Typically < $500 K |
| Collateral Required | ❌ None | ✅ Usually Yes |
| Credit Impact | Soft Pull Only | Hard Inquiry |
| Repayment Basis | % of Revenue | Fixed Installments |
Related Funding Pages
Fast Working Capital Loans | Quick Business Funding | MCA Debt Consolidation
FAQ Section — Merchant Cash Advance
What is a Merchant Cash Advance (MCA)?
A merchant cash advance provides businesses with fast access to working capital based on future sales revenue.
Unlike traditional loans, MCAs have no fixed terms or collateral—repayment is made through a small, agreed-upon percentage of daily or weekly sales.
How much funding can I qualify for?
You can receive between $25,000 and $15,000,000 depending on your monthly revenue, business performance, and processing volume.
Most approvals are completed within hours, and funding is deposited the same day.
Will applying affect my credit score?
No. VIP Capital Funding uses a soft credit inquiry for pre-approval, so checking your eligibility does not impact your credit score.
How long does it take to get funded?
Once approved, businesses typically receive funding within 24 hours by ACH or wire transfer—making MCAs one of the fastest working-capital options available.
Can I pay off my advance early?
Yes. VIP Capital Funding offers early-payoff discounts of up to 35 %, and clients who refinance after paying off 50 % of the balance may qualify for interest forgiveness.
