— Merchant Cash Advance
Fast working capital, structured around your sales.
A merchant cash advance gives your business a lump sum now, repaid as a share of your future receivables — with one specialist who knows your file from first conversation to funding.
- Since 2013
- Secure, encrypted application
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
Technology that makes funding faster. People who make it personal.
You get the speed of a modern process and one specialist who owns your file from first conversation to funding — someone who knows your business and your situation, not a queue of handoffs. You’re never passed from person to person explaining your story over again. Not an algorithm deciding your business’s future — a person who understands it.
01 — The basics
What a merchant cash advance covers
An advance puts working capital in the business now and settles as your sales come in, which is why it suits businesses with steady receivables and a near-term need — inventory, payroll, overhead, or something that won’t wait.
Definition
A merchant cash advance is not a loan — it’s the purchase of a portion of your business’s future receivables, giving you a lump sum of working capital now in exchange for a share of your sales as they come in. Zip Capital Group has helped small businesses access merchant cash advances since 2013.
Cover inventory or stock ahead of a busy season
Bridge a short-term cash-flow gap
Fund payroll or overhead during a slower stretch
Handle an unexpected repair or time-sensitive opportunity
02 — Who we serve
Who a merchant cash advance is for
An advance through Zip is built for established, operating businesses whose sales come in steadily and whose need is near-term.
What we look for
Typical minimum: $10K+ in monthly business deposits
A typical starting point for fit — not a credit determination and not an automatic qualification. Every business is reviewed individually.
A business bank account
Where your revenue is deposited.
Steady sales or card receivables, and a near-term need
A business whose sales come in consistently and whose working-capital need is close at hand.
Not quite there yet? Come back as you grow — we’ll be here.
Available amount range
Funding amounts: up to $1M
This is our available range. The actual amount a business qualifies for depends on the business and its eligibility — $1M is the top of the range, not a typical amount.
03 — Compare
Where a merchant cash advance fits
Different structures suit different businesses. Here is how an advance compares with the two other routes owners most often weigh.
| Structure | Merchant Cash Advance | Working Capital Loan | Line of Credit |
|---|---|---|---|
| Best for | Steady-sales businesses needing flexible, fast access | Businesses wanting predictable fixed repayments | Businesses wanting revolving, draw-as-needed access |
| Repayment | A share of receivables as sales come in | Fixed scheduled payments | Revolving; pay back and re-draw |
| Collateral | Secured by future receivables | May be unsecured | Typically unsecured |
| Process | Simple, fast, relationship-led | Standard underwriting | Standard underwriting |
Your specialist walks through which structure fits your business before anything is signed. Working Capital Financing →
04 — How it works
How it works
01
See if you qualify
A short set of questions about your business — no impact to move forward.
02
Talk to a specialist
A real person reviews your situation and walks you through options that fit.
03
Get funded
Once approved, funds are made available to put to work — typically faster than traditional financing.
05 — Why Zip
Why businesses choose Zip
One specialist, not a call center
One person owns your file from start to funding and knows your business — no being passed around, no re-explaining your story.
A process built to move
Technology handles the friction so decisions don’t stall.
Since 2013
Thousands of businesses funded, and a track record you can check.
Straightforward from the start
Clear criteria, clear path, no surprises.
06 — Customer story
One business, one specialist who knew the file
What it looks like when one person owns your file from the first conversation through funding — someone who understands how your sales actually come in.
My specialist understood how the sales actually come in before we talked structure, and she was the same person on the phone at the end as at the beginning. I never had to start the story over.
Zip Capital Group customer
Story pending customer approval
07 — Proof
What owners say
08 — FAQ
Merchant cash advance questions
On this page
What is a merchant cash advance?
It’s the purchase of a portion of your future receivables — you receive a lump sum of working capital now and repay it as a share of your sales come in. It isn’t a loan, which is why it can be a fit for businesses with steady sales that want flexibility.
How much can my business get?
Funding is available up to $1M. The actual amount depends on your business and eligibility, and the top of the range isn’t typical — a specialist reviews your situation individually.
What does an MCA cost?
Cost depends on your business’s specifics and the structure of your advance, so it’s set during your conversation with a specialist rather than quoted as a one-size figure. Your specialist walks you through the full cost clearly before you commit.
Do I qualify?
A typical starting point for fit is $10K+ in monthly business deposits and a business bank account where revenue is deposited — but that’s a starting point, not an automatic qualification. Every business is reviewed individually.
How fast is funding?
An MCA is built to move faster than a traditional bank process. Your specialist gives you a realistic timeline for your situation once your application is reviewed.
Will I be passed around between people?
No. One specialist owns your file from first conversation to funding — they know your business and your situation, so you’re never re-explaining your story to a queue of handoffs.
What can I use a merchant cash advance for?
Everyday working-capital needs — inventory or stock ahead of a busy season, a short-term cash-flow gap, payroll and overhead through a slower stretch, or an unexpected repair or time-sensitive opportunity.
How does repayment work?
Repayment is a share of your receivables as sales come in, so it moves with your business rather than on a fixed schedule. Your specialist walks you through the full structure and terms before anything is signed.
See what your business qualifies for.
A few questions, a real specialist, a clear path forward.
No obligation · Your information is encrypted and never sold