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⚡ Same-day funding 📞 (516) 363-2658
Bolt Funding
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Same-day funding available ★★★★★ 4.9/5 · 847 Google reviews

Merchant Cash Advance
$5K – $2M

Same-day funding against future sales. No collateral. All credit considered.

  • ✓ Amounts: $5K – $2M
  • ✓ Term: 3 – 24 months
  • ✓ Speed: Same day – 24 hours
  • ✓ Min credit: 500+ · Min time in biz: 3 months
$2.4B+
funded to date
38,000+
businesses funded
92%
approval rate
Talk to a funding expert Or apply below ↓

Apply for Merchant Cash Advance

No upfront fees. Soft credit pull only.

⚡ Funded in 24 hrs 🔒 Soft credit pull ✓ 92% approved
Step 1 of 5 · 20% complete

Last step — where should we send your offer?

A funding specialist will review your information and call you within minutes.

By clicking "Get My Offer" you agree to be contacted by Bolt Funding by phone, SMS or email regarding your inquiry. Consent is not required for purchase. Msg & data rates may apply.

Or call us directly: (516) 363-2658

⚡
24-Hour Funding
Same-day for MCA
⚡
A+ BBB Rating
Accredited business
⚡
No Upfront Fees
Apply free
⚡
Soft Credit Pull
Won't hurt your score

What is merchant cash advance?

A merchant cash advance gives you a lump sum of working capital today in exchange for a small fixed percentage of your future revenue. It is the fastest way to access business capital — period.

Bolt Funding's MCA program is built for business owners who need money now and cannot wait 60 days for a bank to say maybe. We fund deals other lenders pass on — restaurants in their second year, trucking owner-operators with 580 credit, retail stores rebuilding after a slow quarter. Approval is based on your monthly deposits, not your tax returns or your FICO. Most deals close same-day with a one-page application and 3 months of bank statements.

Why business owners choose MCA

  • ✓ Funded in as little as 4 hours
  • ✓ No collateral required
  • ✓ Bad credit OK — we look at revenue
  • ✓ Daily / weekly repayment from card sales or ACH
  • ✓ Renewals at 50% paid down

Things to consider

  • ! Higher cost than bank loans
  • ! Daily / weekly debits affect cash flow
  • ! Not regulated like a bank loan

Who it's best for

RestaurantsRetailTruckingSalonsAuto repairE-commerce

From application to funded in 24 hours

No bank-style runaround. Just real money, fast.

1

Apply in 60 seconds

Tell us how much you need, how long you have been in business, and your monthly revenue. No documents, no credit pull.

2

Get matched & approved

Our team shops your file across 75+ lenders and brings you the best offer within hours — often in minutes.

3

Sign & get funded

Pick the offer you like. Sign digitally. Most deals are funded in 4 – 24 hours, same day for MCAs submitted before 11am ET.

Merchant Cash Advance FAQ

How fast can I actually get funded?

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If you submit your application and 3 months of bank statements before 11am ET, same-day funding is realistic. The typical close is 4–24 hours after approval.

What credit score do I need?

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We have funded clients with FICO scores in the low 500s. MCA underwriting is based primarily on your business deposits, not personal credit.

How is the payment collected?

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Either a fixed daily or weekly ACH debit from your business account, or a small percentage of card sales each day (split-funding).

Can I get a second position MCA?

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Yes — Bolt funds 2nd, 3rd and 4th positions when revenue supports it. We also offer consolidation programs to lower your total daily payment.

Other Bolt Funding products

SBA Loans

$50K – $5M · 30 – 60 days

SBA 7(a) and 504 loans up to $5M. Terms up to 25 years. The lowest cost of capital in the market.

Business Line of Credit

$10K – $500K · 24 – 72 hours

Revolving credit up to $500K. Draw what you need, pay interest only on what you use.

Business Term Loans

$25K – $2M · 2 – 7 days

Lump-sum financing from $25K to $2M with fixed payments over 1 to 10 years.

Equipment Financing

$10K – $5M · 24 – 72 hours

Up to 100% financing on trucks, machinery, tech, restaurant equipment and more.

ERC Advance Funding

$25K – $5M · 5 – 10 business days

Don't wait 12 months for the IRS. Get up to 90% of your ERC credit in 5 days.

Commercial Real Estate Loans

$100K – $25M · 21 – 60 days

Owner-occupied and investor CRE loans up to $25M. SBA 504, conventional, and hard money.

Get funded with MCA today.

Apply free. Funded in same day – 24 hours.

Apply Now ⚡ 📞 (516) 363-2658