Merchant Cash Advance(MCA)

Empowering Business Growth

Fuel Your Business Growth with Flexible Finance from Wise Payments

At Wise Payments, we understand the challenges small and medium businesses face when seeking fast, flexible funding. That’s why our Merchant Cash Advance (MCA) is one of our most popular alternative finance solutions — giving you quick access to working capital without the red tape of traditional loans.

 

  • Key Features

Funding Speed  

Rapid access to capital – funds are typically disbursed within 24 to 72 hours, with some approvals and payouts occurring on the same business day. Ideal for urgent cash flow needs.


Repayment Terms 

Short-term repayment cycles ranging from 6 to 18 months. Payments are usually made daily or weekly and are structured to align with your business’s cash flow patterns.


Factor Rate (not APR)

Costs are calculated using a factor rate, commonly between 1.2 and 1.5. For example, borrowing $10,000 at a 1.3 factor rate means repaying $13,000. Unlike interest, this is a fixed cost agreed upfront.


Collateral Requirement

No physical assets or property are required to secure the funding. This unsecured option is especially valuable for businesses that lack sufficient collateral or prefer to avoid asset risk.


Credit Score Requirements  

Designed to support businesses with less-than-perfect credit. Approvals are based more on cash flow and business performance than high credit scores, making it accessible for a wider range of small to mid-sized businesses.


  • What’s the Upside?

Unlock smart financing with multiple advantages designed for growing businesses:

✅ Fast Access to Capital

Receive funds quickly—often within 24 to 72 hours, sometimes even the same day.

✅ Easy Qualification

Approval is based on business performance, not just credit scores.

✅ No Collateral Required

Unsecured funding—no need to pledge business or personal assets.

✅ Revenue-Based Repayment

Repayments are linked to your business income, helping manage cash flow during slow periods.

✅ Covers a Range of Needs

  • Short-term cash flow gaps

  • Purchasing inventory

  • Emergency repairs or expenses

  • Seasonal business boosts

  • Business upgrades or refurbishments

  • Consolidating or paying off existing debts

 

  • Why Us

Flexible Funding Options

Choose from solutions that match your business goals: - Business Line of Credit up to $250,000 - Term Loans – up to $1,000,000


Lower Credit Requirements

We work with a wide range of credit profiles: Accepts personal credit scores as low as 625 Focus on cash flow and revenue, not just credit history


Convenient Application Process

Apply your way—fully online or face to face: Sync your bank or upload statements Quick decisions and fast funding via wire transfer

 

How we work

Transforming organizations sustainably. Unlocking performance excellence.
Nurturing thriving workforces for generations. Partner with us for success.

1. Application

Submit a straightforward application to kickstart the process. We aim to make the application process quick and hassle-free.


2. Evaluation

Our team evaluates your business's performance, focusing on factors such as daily credit card sales, overall revenue, and cash flow.

 

03. Approval and Funding

Once approved, you receive the funding directly into your business account. Use it as needed to fuel your business growth initiatives.

04. Repayment

Repayments are tied to your daily credit card sales, ensuring that the process is manageable and aligned with your business's financial rhythm.