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Merchant Cash And Capital, LLC provides fast, flexible alternatives to traditional funding — advancing capital to retail, restaurant, and service businesses based on future revenue, not red tape.
Who we are
Merchant Cash And Capital, LLC (MCC) has been an industry leader in providing alternatives to traditional funding sources — and an innovator in cash advances and financial services for businesses in the retail, restaurant, and services industries.
Our approach is different by design. Rather than putting businesses through a lengthy loan process, MCC and its affiliates purchase a small, fixed percentage of future credit card revenues and advance that money to qualified businesses up front. Repayment happens naturally, as a small agreed-upon share of daily sales.
Our philosophy is simple: seek a funding option for almost every business that qualifies — regardless of credit history, with no strings attached, no hidden fees, and no unreasonable repayment requirements. We aim to be a partner in helping businesses reach their potential.
Headquartered on Park Avenue South in New York City, MCC combines advanced technology with dedicated customer service to fund business owners across the country.
How it works
No lengthy applications, no collateral requirements, no waiting weeks for an answer. Our process is built for speed and simplicity.
Submit a simple application with basic business details. No mountains of paperwork, no collateral required to get started.
Our ASAP system delivers pre-approval decisions in seconds, not days. We look at your business revenue, not just your credit score.
Once approved, capital is advanced to your business up front — ready to use for inventory, expansion, marketing, or working capital.
Repayment is a small, fixed percentage of your daily credit card sales — so payments flex naturally with your business volume.
What we offer
From merchant cash advances to equipment financing, we offer a range of funding products designed to fit how real businesses operate.
Our signature product. We advance capital against a small percentage of your future credit card revenue, with repayment that flexes with your sales.
Flexible funding to cover day-to-day operational needs — payroll, rent, utilities, and the everyday costs of keeping your business running smoothly.
Capital to grow — open a new location, renovate your space, launch a marketing campaign, or take on the next big opportunity for your business.
Access funding without pledging collateral. We base our decisions on your business performance, not on the assets you can put up as security.
Fund the equipment your business needs to operate and grow — from kitchen appliances to point-of-sale systems and specialized machinery.
Specialized funding solutions for medical and healthcare practices — helping providers manage cash flow, upgrade equipment, and grow their practice.
Who we serve
Shops and stores of every size
Dining, cafes, and food service
Service-based businesses
Healthcare and practices
Client reviews
My bank wanted three years of records and a month of waiting for a decision. MCC looked at my restaurant's actual sales and had funds in my account within days. The repayment flexes with my slow and busy seasons — it just makes sense.
I needed to restock inventory fast ahead of the holiday season and traditional lenders just weren't an option with my credit. MCC funded me based on my store's revenue. That advance is the reason I had the best quarter in my shop's history.
The application took minutes and I had an answer almost immediately. No hidden fees, no surprises — everything was exactly as explained. We used the expansion capital to open our second location. Genuinely a partner in our growth.
FAQ
Everything you need to know about how our funding works. Don't see your question? Reach out and we'll answer it directly.
Ready to explore your funding options?
Get in touchA merchant cash advance is an alternative to a traditional loan. Instead of borrowing a fixed sum with fixed monthly payments, we advance you capital up front in exchange for a small, fixed percentage of your future credit card sales. Repayment happens automatically as a share of your daily revenue, so it flexes with how your business performs.
Not necessarily. Our philosophy is to seek a funding option for almost every business that qualifies, regardless of credit history. We focus primarily on your business's revenue and performance rather than relying solely on a personal credit score, which means we can fund businesses that traditional lenders often decline.
Very fast. Our ASAP (Automated Submission and Pre-Approval) system delivers pre-approval decisions in seconds rather than the days a traditional loan requires. Once approved and all details are confirmed, funds can typically be advanced to your business within a short turnaround.
However your business needs it. Common uses include purchasing inventory, covering working capital, funding marketing campaigns, renovating or expanding your space, buying equipment, or managing seasonal cash flow. There are no restrictions on how you put the capital to work in your business.
No. Transparency is central to how we operate. Our funding comes with no hidden fees and no unreasonable repayment requirements. The terms of your advance — including the percentage and the total agreed amount — are made clear up front before you accept.
We specialize in funding businesses in the retail, restaurant, and services industries, as well as medical and healthcare practices. If your business accepts credit card payments and has consistent revenue, we can likely find a funding option that works — contact us to discuss your specific situation.
Get funded
Tell us about your business and what you're looking to achieve. Our team will walk you through the funding options available to you — with no obligation.