Can I get a merchant cash advance for my e‑commerce store?
Yes—an e‑commerce owner can secure a merchant cash advance even with a 620‑679 FICO score, borrowing up to 15% of monthly sales. Check rates in minutes.
Yes — merchants can qualify for a cash advance even with a 620‑679 FICO score, borrowing up to 15% of their monthly sales. Check rates in minutes—no credit‑score hit.
Yes — merchants can qualify for a cash advance even with a 620‑679 FICO score, borrowing up to 15% of their monthly sales. Check rates in minutes—no credit‑score hit.
The specifics
Typical MCA lenders will lend 5–15% of your gross monthly sales, giving an advance that ranges from about $1,250 to $3,750 for a store with $25k in monthly revenue settle.com. Lenders conduct a soft credit pull, so your personal score stays intact settle.com. The repayment model pulls 12–18% of daily settled sales until the principal plus fees are paid; the quoted APR sits between 18–25%, but the effective rate can climb to 40% when sales dip coherentmarketinsights.com. You must provide 12 months of bank statements, a copy of your EIN, and recent sales reports; most lenders review 3–6 months of transaction history stripe.com. Want a quick estimate for your store? Try the affordability‑calculator.
If you’re unsure whether your sales volume matches industry averages, check the latest 2026‑ecommerce‑funding‑benchmarks.
Qualification & edge cases
If your gross monthly sales fall below $25k, most MCA providers will decline or cap the advance at a lower percentage settle.com. High month‑over‑month volatility (>15%) can trigger a higher holdback or stricter terms coherentmarketinsights.com. While the soft pull doesn’t hurt your score, lenders still check for business registration, recent bank activity, and forward‑looking sales projections merc.com. If you’re close to the threshold, a “bridge” line that offers up to $10k pre‑approval might keep you moving forward as you hit the volume target. For sellers on Amazon, instant feed integrations can speed review by up to 24 hours, but the base terms stay the same peacsolutions.com.
Background & how it works
Merchant cash advances are revenue‑based. The lender deposits cash and then pulls a fixed portion of your daily processor settlements—so repayment scales with sales. Because the rate is tied to performance, MCAs are ideal for seasonal spikes or urgent inventory needs, but the higher effective APR means they’re less suited for long‑term capital compared with a traditional asset‑based loan, which typically sits at 8–15% APR for e‑commerce merchants crestmontcapital.com. Comparing options in 2026, the top 14 working‑capital solutions include MCAs, invoice factoring, and short‑term line‑of‑credit businessfundingcomparison.com.
Bottom line
If your store pulls at least $25k in monthly revenue, a merchant cash advance can put capital in your pocket in a day—without denting your credit. Compare rates from vetted providers in minutes and decide if the higher APR fits your growth plan. Get started and see your potential advance today.
Disclosures
This content is for educational purposes only and is not financial advice. financingecommerce.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.
Sources
Related questions
What is the minimum monthly revenue to qualify for a merchant cash advance?
Most lenders require at least $25,000 in gross monthly sales; smaller stores may be limited to lower caps or specific niche products.
How much can I receive in a merchant cash advance?
Typical advances range from 5% to 15% of your gross monthly sales, depending on revenue, credit, and volatility.
Does a merchant cash advance affect my personal credit score?
No—lenders perform a soft pull, so your credit score remains unchanged, though the loan must be repaid on time to avoid future collection actions.
What documents are required for an MCA?
You’ll need 12‑month bank statements, a copy of your EIN or business registration, and recent sales reports or processor statements.
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