MCA Funding That Moves at the Speed of Business
A merchant cash advance gives your business one lump sum now, repaid automatically through a fixed percentage of your future sales. Instant Money Capital funds first and second position MCA positions with simple factor rates, fast approvals, and no hard credit check to apply.
MCA Funding Types
We offer multiple MCA funding types to match your business needs and cash flow.
First Position MCA
Your primary merchant cash advance. Receive a lump sum based on your monthly revenue and repay through a fixed percentage of daily sales.
Second Position MCA
Already have an advance? Get additional capital in a second position without disrupting your current funding arrangement.
MCA Consolidation
Stacked MCA payments crushing your cash flow? Our reverse consolidation product restructures multiple daily debits into one lower weekly payment.
How Factor Rates Work
A merchant cash advance does not charge interest. Instead, you repay a fixed total, calculated as your advance amount multiplied by a factor rate. A $50,000 advance at a 1.25 factor rate means you repay $62,500 total: that number never changes, no matter how long repayment takes. Our factor rates start at 1.20, and your exact rate is disclosed in writing before you sign anything.
Why Choose Instant Money Capital for MCA Funding?
Fast Approval
Get approved in as little as 24 hours. We know you need capital now, not next month.
Transparent Terms
No hidden fees, no surprise charges. You'll know your exact cost before you sign.
Competitive Factor Rates
Factor rates starting at 1.20. We work to get you the best terms possible.
Dedicated Manager
A real person who knows your business and is available when you need them.
Simple Requirements
6+ months in business, $15K+ monthly revenue, and an active bank account.
Same-Day Funding
Once approved, funds can be in your account the same business day.