High card volume
Retailers, restaurants, and shops with steady daily card sales.
Merchant Cash Advance
A lump sum today, repaid as a small slice of your daily card sales.
Amount$5,000 – $500,000
Typical termFlexible, revenue-based
Funding speedSame-day funding possible
What it is
How merchant cash advance works for you
A merchant cash advance gives you a lump sum today in exchange for a small, fixed percentage of your future card sales. Repayment flexes with your revenue: on busy days you pay a little more, on slow days a little less — so the obligation always breathes with your business.
Because repayment is tied to sales rather than a rigid monthly bill, and approval leans on your card-processing volume, an MCA can fund businesses that other products cannot — including those with lower credit. It is the fastest capital Quartz offers, often available the same day.
Best for
When it's the right fit
Seasonal swings
Repayment that automatically eases off during your slower stretches.
Lower credit scores
Approval weighted toward your sales, not just your credit profile.
Speed-critical needs
Capital in hand the same day when timing is everything.
How it works
From application to funded
1
Apply with your statements
Share a few months of bank and card-processing statements.
2
Get a fast decision
We size the advance to your daily sales — often within hours.
3
Receive your lump sum
Funds can arrive the same business day.
4
Repay as you earn
A small set percentage of daily card sales is collected automatically until repaid.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Fastest funding
Same-day capital when you cannot wait for a traditional approval.
Payments flex with sales
Pay more on strong days, less on slow ones — never a fixed bill on a bad week.
Flexible credit
Approval leans on your sales history, opening the door for more businesses.
Hands-off repayment
Collection is automatic, so there is nothing to remember each month.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
Technically it is the purchase of a portion of your future sales, not a loan. That structure is what allows revenue-based, flexible repayment.
As a factor rate — for example 1.2 — applied to the advance, so you know the total payback amount from day one.
Your payments shrink proportionally, because you are remitting a percentage of sales rather than a fixed sum.
Often the same business day, making the MCA our quickest product to fund.
Related funding
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Start your application in minutes. Checking your options is free and never affects your credit score.