Merchant Cash Advances (MCA)
Merchant Cash Advances (MCA) arranged by Liberty Commercial Funding provide rapid access to capital based on your business's future credit card sales or daily bank deposits. Rather than a traditional loan with fixed monthly payments, an MCA typically involves a purchase of a portion of your future receivables, with repayment occurring through a set percentage of card batches or automated daily withdrawals.
This structure can work for retailers, restaurants, service businesses, and other revenue‑driven operations that need immediate liquidity for inventory, repairs, staffing, or marketing campaigns but may not qualify for or wish to wait on bank financing. Approvals are generally driven by recent revenue history and account activity rather than heavy collateral, which makes timing far faster than conventional underwriting.
Our role is to help you use this form of financing carefully and with full visibility. We review your average daily deposits, card volume, existing obligations, and seasonality so that the holdback or daily remit percentage does not overrun your cash flow. Where appropriate, we compare MCA offers with unsecured loans or lines of credit, explaining the difference between factor rates, interest rates, and effective cost.
The application is handled online through a concise intake, recent bank statements, and basic business information. We then present your profile to MCA providers that have shown consistent practices and clear terms, avoiding the confusion that often arises when owners receive multiple conflicting offers.
For short‑term needs where speed is critical, an MCA can be a practical tool when structured thoughtfully. Our aim is to match you with funding that addresses the immediate gap while preserving options for more traditional facilities as your financial profile strengthens.
This structure can work for retailers, restaurants, service businesses, and other revenue‑driven operations that need immediate liquidity for inventory, repairs, staffing, or marketing campaigns but may not qualify for or wish to wait on bank financing. Approvals are generally driven by recent revenue history and account activity rather than heavy collateral, which makes timing far faster than conventional underwriting.
Our role is to help you use this form of financing carefully and with full visibility. We review your average daily deposits, card volume, existing obligations, and seasonality so that the holdback or daily remit percentage does not overrun your cash flow. Where appropriate, we compare MCA offers with unsecured loans or lines of credit, explaining the difference between factor rates, interest rates, and effective cost.
The application is handled online through a concise intake, recent bank statements, and basic business information. We then present your profile to MCA providers that have shown consistent practices and clear terms, avoiding the confusion that often arises when owners receive multiple conflicting offers.
For short‑term needs where speed is critical, an MCA can be a practical tool when structured thoughtfully. Our aim is to match you with funding that addresses the immediate gap while preserving options for more traditional facilities as your financial profile strengthens.
Request Business Funding
Share a few details about your business and funding needs, and we respond promptly with clear next steps and aligned options, never generic or high-pressure offers.