mcafunding.io is an automated merchant cash advance (MCA) funding platform built to deliver same-day capital to growing businesses. Rather than weeks of paperwork and back-and-forth with brokers, merchants connect their bank through encrypted Plaid integration or upload a few months of statements and receive a live, fully priced funding offer in minutes.
Our automated underwriting engine sizes every advance to 80% of a business's average monthly revenue over the last 3-4 months. Offers range from $300,000 up to $20 million, with terms up to 10 months, a minimum factor rate of 1.45, and transparent daily ACH payments shown before a merchant ever accepts. From application to offer to funding, the entire process is digital, secure, and designed to deploy capital as fast as the same day.
mcafunding.io is built for small and mid-sized businesses that need fast, reliable access to working capital and cannot afford to wait on a traditional bank loan. That includes restaurants and retailers, contractors and trades, medical and dental practices, logistics operators, and manufacturers. If a business has steady monthly revenue and needs capital in days — not months — the platform is designed for them.
mcafunding.io is built and operated by a team of fintech engineers and capital-markets professionals focused on a single goal: getting business owners funded the same day they apply. The team combines automated pricing technology with institutional capital so merchants get transparent offers and fast funding without the friction of a conventional lender.