Merchant Cash Advance

Capital against tomorrow's revenue.

An advance on future business receivables. A small percentage of each day's revenue goes toward repayment until the advance is settled.

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At a glance

The structure.

Amount

$10,000

$2,000,000

Term

3–18 months

Decision in

Same day

Docs needed

3–5

A merchant cash advance is a purchase of future business receivables at a discount. Fundivi advances capital up front; you repay through a small daily share of revenue until the agreed amount is delivered. There's no fixed monthly payment. Repayment scales with what comes in, so a slow week is naturally a smaller week.

MCAs are built for businesses with steady, recurring revenue. Restaurants, salons, retail, e-commerce, services, B2B operators. Anywhere money is moving through the business on a regular basis. The trade-off is speed and access for cost: factor rates are typically higher than term-loan APRs, but qualification is faster and credit thresholds are more forgiving.

This is the fastest funding product we offer. We can typically deliver capital the same day the application is approved, with minimal paperwork and a more flexible underwriting view than a term loan. It's the same product as revenue-based financing — capital advanced against future receipts, repaid as a share of what the business earns.