WORKING CAPITAL / MCA

For Small Businesses

Same day funding
Finance $10,000 to $5 million

Flexible financing terms

Get Started

Complete the application below with some basic information to see which financing options you qualify for and to be paired with a Business Financing Advisor!

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WHAT IS A MERCHANT CASH ADVANCE / WORKING CAPITAL?

A Merchant Cash Advance isn't technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance. On the other hand, during times of slow business, the payback would be reflective of the incoming cash flow.

SIMPLE APPLICATION

Our simple 15-second online application can get you matched with offers in minutes.

NO MINIMUM FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

LARGER AMOUNTS

Get matched with the best financing options with the highest funding amounts.

SAME DAY FUNDING

Our fintech speed can get you in and out of Underwriting in just a few hours - and same day funding!

WHAT DO YOU NEED TO QUALIFY?

4+ Months in Business

You can qualify for our top financing options with as little as 4+ months in business.

$10,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

WHY WINCHESTER FUNDING SOLUTIONS?

Fast & Hassle-Free Loan Process

We simplify the loan application process, ensuring quick approvals and minimal paperwork, so you can focus on growing your business without delays.

Customized Loan Solutions

Every business is unique, and so are its financial needs. We tailor loan options to fit your specific goals, whether it's expansion, equipment purchase, or working capital.

Competitive Rates & Flexible Terms

We work with a wide range of lenders to secure the best interest rates and repayment terms, ensuring you get the most cost-effective financing solution.

Expert Guidance & Support

Our team of experienced loan brokers is here to guide you every step of the way, answering your questions and helping you make the best financial decision for your business.

Winchester Funding Solutions - our winning combination of quick delivery and excellent customer care. Getting started is easy.

STEP 1. Apply Online

Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.

STEP 2. Review Options

Your personal loan advisor will discuss finance options available with you for your business.

STEP 3. Receive Your Funds

Finish the online application process and receive your funds in as little as 24 hours.

Resources & Frequently Asked Questions

WHAT'S THE DIFFERENCE BETWEEN A MERCHANT CASH ADVANCE AND A LOAN?

A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.

HOW DOES A MERCHANT CASH ADVANCE WORK?

A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.

HOW EASY IS THE MCA APPROVAL PROCESS?

Merchant cash advances (MCAs) are generally considered to be an easy type of business financing to qualify for, with approval rates as high as 90%. MCAs are often available to businesses that may not qualify for other types of loans, such as small business loans, equipment loans, or business lines of credit. MCAs are based on a business’s cash flow, not its credit history or business history.