A merchant cash advance (MCA) is not a loan — it’s an advance against your business’s future revenue. Here’s how it works:

• RAN Funding provides you with a lump sum of capital upfront (from $10,000 to $1,000,000).
• In return, you agree to repay the advance plus a fee through a small, automatic percentage of your daily credit and debit card sales — called the ‘holdback’ or ‘retrieval rate.’
• Repayment happens automatically every business day. When sales are strong, you pay more. When sales are slow, you pay less. You always pay the same total amount — it just adjusts to your cash flow.

Because MCAs are based on revenue rather than credit history, they are one of the most accessible forms of small business financing available today.

RAN Funding MCA: At a Glance

Who Should Consider a Merchant Cash Advance?

A merchant cash advance is a strong fit for businesses that:

• Need capital quickly (within 24–48 hours)
• Have consistent monthly revenue but limited collateral
• Have a credit score below 650 that disqualifies them from bank loans
• Have an existing MCA and need additional working capital
• Experience seasonal revenue swings and need flexible repayment
• Want to take advantage of a time-sensitive opportunity (inventory deal, new contract, expansion)

Industries we serve: Construction & trades, restaurants & food service, medical & dental practices, trucking & transportation, retail, staffing, household services, auto repair, and more.

How the Repayment Works: A Real Example

Let’s say your restaurant generates $80,000 per month in revenue. RAN Funding approves you for a $60,000 merchant cash advance at a factor rate of 1.20, with a 15% holdback.

• Total repayment: $60,000 x 1.20 = $72,000
• On a typical day with $3,000 in sales, your automatic payment is $450 (15%)
• On a slow day with $1,500 in sales, your payment is $225
• On a strong weekend with $5,000 in sales, your payment is $750

You always owe exactly $72,000 total — the daily amount simply adjusts to your sales.

Documents Required

• Valid government-issued ID (driver’s license or passport)
• Voided business check
• 3 to 4 most recent business bank statements (PDF format)

That’s it. No tax returns, no financial statements, no business plan required for most applications.

How to Apply: 3 Simple Steps

Step 1 — Complete our 5-minute online application at ranfunding.com/application

Step 2 — Submit your bank statements and ID to your funding advisor

Step 3 — Receive your offer within hours and funding within 24–48 hours

Frequently Asked Questions About Merchant Cash Advances

Q: Is a merchant cash advance right for my business?

An MCA is best for businesses that need fast, flexible capital and may not qualify for traditional bank loans. If you have consistent monthly revenue and an immediate capital need, an MCA is worth exploring. Schedule a free consultation with a RAN Funding advisor and we’ll help you determine the best fit.

Q: What’s the difference between a factor rate and an interest rate?

A factor rate is a simple multiplier applied to the advance amount to calculate total repayment. A 1.20 factor rate on $50,000 means you repay $60,000 total. Unlike an APR, the factor rate does not compound and does not change regardless of how long repayment takes.

Q: Can I pay off my MCA early?

Yes. There are no prepayment penalties at RAN Funding. Early payoff is always an option, and some products offer early payoff discounts.

Q: Can I qualify if I’ve had previous credit problems?

Yes. RAN Funding regularly approves businesses with prior credit issues. Merchant cash advances are based primarily on revenue, not credit score.

Ready to Apply? Here’s What Happens Next

Complete our quick application online or call 877-522-6045 to speak with a funding advisor today. We’ll review your information, discuss your goals, and present you with the best available options — with no obligation to proceed.

RAN Funding — Rated 4.9/5 by 143+ business owners on Trustpilot.