Merchant Cash Advance

Fast, Flexible Funding Tied to Your Sales — Not Your Credit Score

A Merchant Cash Advance offers fast access to capital without the restrictions of traditional lending. Ideal for businesses that rely on daily credit card sales, MCAs allow you to secure funding based on your revenue — not just your credit score. Repayment is simple and flexible, tied to your daily sales, making it easier to manage in variable business cycles.

With a Covenant Oak MCA, you can:

• Access working capital within 24 to 48 hours

• Repay automatically through a percentage of your daily card sales

• Avoid fixed monthly payments, collateral, or high credit requirements

• Use funds for inventory, payroll, marketing, equipment, or seasonal expenses

• Get approved even if you’ve been turned down by traditional banks