Rapid Funding

Approvals in hours, funding in 1–3 business days.

Simple Approval

Focus on sales history, not perfect credit scores.

Flexible Repayment

Payments adjust with your daily sales volume.

Multiple Uses

Inventory, payroll, marketing, or seasonal needs.

About Merchant Cash Advances

What Is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is a financing option where you receive a lump sum of working capital in exchange for a percentage of your future credit card or debit card sales. It’s designed for speed and flexibility, providing funds when traditional loans aren’t an option.

Common Uses

  • Bridge cash flow gaps
  • Purchase inventory during peak seasons
  • Cover payroll or urgent expenses
  • Fund marketing campaigns

Terms & Structure

  • Funding from $5,000 to $500,000
  • Daily or weekly payments tied to sales
  • Approval in hours, funding in 1–3 business days
  • Factor rates instead of traditional interest

Eligibility Criteria

  • Consistent monthly credit/debit card sales
  • 3–6 months of business bank statements
  • No recent bankruptcies
  • Valid business bank account

Who Should Consider It?

  • Retailers, restaurants, and seasonal businesses
  • Companies with high credit card transaction volume
  • Owners needing fast access to working capital

Need fast capital? We’re here to help.

F.G. Howell connects you with MCA providers who understand your business cycle. We negotiate favorable terms and ensure you understand your repayment structure before funding.

  • Network of reputable MCA lenders
  • Transparent, upfront cost structure
  • Quick application and funding process
  • Support from initial inquiry to payoff
Quick Facts:
$5K – $500K
Funding: 1–3 Business Days
Repayment: % of Daily Sales
Approvals Based on Sales History
Flexible Use of Funds

Your Partner in Finance

At F.G. Howell, we go beyond funding introductions. We help evaluate your MCA options, clarify repayment terms, and ensure you partner with a provider that supports your cash flow rather than straining it.

Frequently Asked Questions

Most MCA approvals happen in hours with funding in 1–3 business days after documentation.

Repayment is a fixed percentage of daily card sales until the advance is paid off.

MCAs typically do not require personal credit checks, but payment history may be reported to business credit bureaus.

Some MCA agreements allow early payoff with reduced fees; others do not. We help you review terms in advance.