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Home – Merchant Cash Advance

From $20,000 to $5,000,000 within 3 days

Merchant Cash Advance Loans For Small Business Owners

Any business owner that needs capital right now can apply for a Merchant Cash Advance with Stirling Investment Group and get the funds deposited into his or her account in 3 days after the application gets approved. We help you turn future credit or debit card sales into working capital that you can use today. Apply today and receive a lump sum of cash in exchange for a percentage of your future credit and debit card sales. Our Cash advances are fast, easy to get, and unsecured, meaning you won’t have to risk any of your personal or business’ assets.

Got Questions? Give us a call at +1-800-438-9690

Merchant Cash Advance Pre-Qualification


Loan Amounts

From $20,000 to $5,000,000

Loan Terms

Up to 2 Years

Time to Fund

As Soon as 24 Hours

Interest Rate

As Low as 18%

What is a Merchant Cash Advance?

Merchant Cash Advance (MCA) is an easy and quick way in which small and midsize business owners that lack collateral or have a low credit score to qualify for a conventional bank loan can obtain an upfront sum of cash. The borrower will then repay with a percentage of future credit and debit card sales processed through the business’ merchant account.

In reality, an MCA is not a business loan–it is a lump-sum of money provided by the lender in exchange for a percentage of the business’ future revenues.

A Cash Advance is an excellent alternative for any business owner with a low credit score (FICO) because it is a short-term loan that requires no collateral. Also, if you need working capital instantly, the approval process is faster than any other loan

How a Merchant Cash Advance Works

As a business owner, I’m sure you recognize the importance of having money available in case it is needed. If you have to make urgent reparations or buy new equipment that will make your job easier and increase your revenue, then you’re going to need some capital to cover those expenses. If you have the money, excellent, but, what if you don’t?

The first thing that comes to mind would be getting a loan from the bank. However, banks are denying loans to business owners in record numbers, leaving them frustrated and with no options.

Securing financing for your company should not be hard, especially if you are facing problems that could threaten your business.

Luckily, alternative lending institutions like Stirling Investment Group have loan programs made for business owners that could use some extra funds to enhance the performance of their business.

One of those types of loans is a Merchant Cash Advance

While a cash advance is not technically a loan, an MCA is perhaps the quickest and easiest way to obtain working capital for your business.

When you get a cash advance, the lender will give you a lump sum of cash in exchange for a percentage of your future debit or credit card sales. Then, the loan can be repaid by automatically debiting the agreed amount daily or weekly from your business’ merchant account.

Before the MCA lender transfers the funds into your account, he or she will provide a detailed loan agreement form showing the advance amount, the amount you are expected to pay back, and the loan term.

Opposed to fixed payments loans, in a cash advance the agreed amount is automatically deducted from the daily sales generated on your merchant account until the advance is paid off.

How To Apply for an MCA with Stirling Investment Group?

Once you submit the application form, we will determine if you qualify for the program and how much capital you can get. If your application is approved, we will transfer the funds to your bank account.

You can Apply for a Cash Advance Online

Below is the detailed application process:

Step 1.

Complete the business loan application form

Fill the loan application form with basic details like your name, social security number, business tax identification number, business location, and any other essential information regarding your business.

Step 2.

Provide 4 months of business bank statements

Submit the documents that will be used to assess your business’s financial health as well as your identity. Some of the documents include your government-issued ID, and a statement showing your business’s credit card transactions.

Step 3.

Approval process

After completing the loan request form and providing the necessary documentation, a loan specialist from Stirling Investment Group will approve the advance. Getting approved for an MCA with us is easy.

Take a look at some of the features that our cash advance program has for you:

Benefits of Getting a Merchant Cash Advance

  • Pros / Cons
  • MCA
  • Repayment
  • Why Should You Choose

Compare Cash Advance Options to Find the Best MCA For Your Business



An MCA comes with less risk compared to other forms of financing

A conventional bank loan places your business at risk of losing the collateral or even hurting your credit score if you default or repay the loan late. Unlike the bank loan, an MCA will not affect your credit score since it is a sales transaction. Collateral is not even required to secure the advance.

Repayment and Loan Costs

Unlike a bank loan, the advance’s payback amount is calculated using a factor rate rather than the typical interest rate. Factor rates generally range between 1.1 and 1.8.

The repayment starts as soon as we transfer the funds into your account. We will also adjust the payback amount according to your business’s credit card sales.

Industries that qualify for an MCA loan.

Who can Benefit from Stirling Investment Group Merchant Advance Loans?

Stirling Investment Group serves almost all small and medium businesses looking to secure a merchant advance to support various business processes. Some of the companies that would benefit from Stirling Investment Group  merchant advance loans include:

Why should you choose GoKapital for business financing?

Some of the reasons that make investors choose GoKapital over other lenders include:

Our financial advisors are always available for consultation

Stirling Investment Group collaborates with credit unions, mortgage lenders, and many more financial institutions. Besides working with financial institutions, we are always in constant search for technological solutions to facilitate easy and fast application.

Excellent customer service

Stirling Investment Group is dedicated to meet, if not exceed, our customer’s expectations.

Nationwide and international coverage

We are headquartered in Florida, but we also serve clients from all States, Canada, and Puerto Rico.

Minimum qualifications

Unlike traditional lenders who fund only established companies with attractive credit history, Stirling Investment Group offers loans to any business as long as it has been running for at least four months and is making $20,000 in monthly sales. Furthermore, any business can qualify regardless of their FICO score.

Stirling Investment Group values minorities

We believe that every entrepreneur deserves the opportunity to excel. For this reason, veterans, Latinos, and women in business are highly encouraged to apply for a merchant advance.

You can receive as much as $5,000,000

Another reason why you would want to get your loan from us is that you can qualify for as much as $5,000,000 as long as your business makes reasonable credit card sales per month.

Give us a call : +1-800-438-9690

Monday – Friday | 9 am – 6 pm Eastern Time