Turn future card sales into capital today.
A merchant cash advance gives you a lump sum up front, repaid automatically from a small percentage of your daily card sales. Payments rise and fall with your revenue — no fixed monthly invoice to stress over.
Get a free quote Learn moreHow an MCA works
Spark (or our partner lender) buys a portion of your future credit card sales at a discount. You get the cash up front, and we collect a small, fixed percentage from each day’s card settlements until the advance is paid off. Great for retail, restaurants, and service businesses with strong card volume.
Payments match sales
Slow day = smaller payment. Busy day = faster payoff.
Fast access
Approval in hours, funding same day or next day.
Honest answers up front
We’ll only recommend an MCA when it genuinely fits your situation — and we’ll explain every number before you sign.
Usually not. An MCA is convenient and fast, but the factor rate typically costs more than a traditional term loan. Your Spark expert will compare it to other options so you know what you’re choosing.
Businesses with consistent monthly revenue — especially those taking a meaningful share of their payments by credit/debit card — tend to qualify even if their credit score isn’t perfect.
MCAs use a factor rate, not an APR. If you receive a $50,000 advance at a 1.25 factor, you’ll repay $62,500 total via a daily holdback on card sales. We show you the total cost and expected payoff schedule before you commit.