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Merchant Cash Advance (MCA)

Working Capital for your business in as few as 24 hours…


Why choose a Business Cash Advance Online over other sources of capital?

If you need capital to fund your daily business operations on a short-term basis, but don’t want to deal with the hassle of fixed monthly payments or other restrictions of traditional bank loans, then our Main Street Business Cash Advance might be a good fit for you! This business funding option lets you access working capital for your company quickly, and you can keep the cash flowing with easy daily or weekly remittances.


What is a Cash Advance? 

The Merchant Cash Advance (MCA), or Business Cash Advance is a non-loan type of business funding. This essentially purchases a fixed amount of your business’s future receivables, from credit and debit sales or other revenue deposits, at a discount. The business cash advance online provider, like Main Street, buys a specific dollar amount of your future revenue. Your business, instead of paying large fixed monthly payments, like you would with traditional financing, remits a set percentage of its daily credit and debit card sales or an ACH deduction based upon a good faith estimate of future revenue, until the full amount of purchased revenue, plus any fees, has been paid in full to the business cash advance provider. 


Advantages of a Cash Advance

  • You do not need amazing credit, in order to qualify. 

  • It works with the flow of your business: you can remit less on your slower days and more on your busy days.

  • No fixed monthly payments or set maturity date. 

  • Remittances are automatic, don’t require any check-writing, and allow you to focus on your daily operations.

  • Obtaining an Advance is quicker and typically easier than traditional business financing, giving you capital when you need it.


How come Main Street can approve so many more businesses?

Our innovative Main Street process allows us to analyze not just personal credit history, but also the health of the business at stake. We explore a multitude of data points when making our decisions for commercial funding, taking into account more than a bank or other institution might. This means faster funding for you, in as little as 24 hours!


How can I use the money from a Cash Advance?

Main Street Business Cash Advances can be applied towards any business expenses, which include (but aren’t limited to):


  • Ongoing or regular operations

    • Training

    • Research & development

    • Payroll

    • Travel

  • Business assets

    • Equipment replacement or repair

    • Stocking inventory

    • Technology

    • Paying vendors

    • Vehicles and transportation

  • Financial management

    • Renovations and upgrades

    • Mergers

    • Acquisitions

    • Seasonal downturns

    • Other opportunities for growth or expansion



How Main St. Cash Business Funding Works

Apply Online

Apply online in as fast as 10 minutes or call


Receive Your Decision

Our system evaluates your business and provides a decision in minutes

Get Funded

Receive funding via ACH or wire in as fast as 24 hours




Main Street Merchant Services Inc.

360 Motor Parkway, Suite 200B,

Hauppauge, NY 11788


Toll Free: 877 496 3053

Fax: 877 557 8527




For any general inquiries, please fill in the following contact form:

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