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FLEX/MCA Loans

Business owners get Merchant Cash Advance (MCA) funding to access fast working capital when they need cash quickly for expenses like payroll, inventory, marketing, or emergencies, especially when traditional loans are too slow or hard to qualify for

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Document Requirments

  • Completed application
  • 4 months of business bank statements
  • Voided check
  • Color copy of driver’s license
  • Additional documents upon lender’s request

Funding Amount:

Typical Payment Impact (Important)

  • Monthly Revenue (Primary Factor)
    Most lenders approve 50%–150% of ONE month’s gross revenue.
  • Average Daily Bank Balance
    Lenders want to see if you can handle daily or weekly withdrawals.
  • Time in Business
    6–12 months: Standard approvals
    12+ months: Best terms and higher funding

Typical Payment Impact (Important)

  • Flex Lenders usually cap payments at:
    10%–20% of daily revenue
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