What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance (MCA) is a type of business funding where your business receives a lump sum of capital upfront in exchange for a percentage of future sales. Unlike traditional business loans, MCAs are typically based more on business revenue and performance than on collateral or lengthy approval requirements.
How is a Merchant Cash Advance different from a business loan?
Traditional business loans may involve stricter credit requirements, collateral, fixed repayment terms, and a longer approval process. A Merchant Cash Advance is generally based more heavily on business revenue and sales activity, giving qualifying businesses a faster and more flexible way to access working capital.
How fast can I get business funding from QM?
Qualified applications can receive a funding decision within approximately 24 to 48 hours. Once approved and all required documentation is completed, funds may be deposited the same day.
What can I use business funding for?
Business funding can be used for many business needs, including inventory, payroll, equipment, renovations, marketing, expansion, working capital, seasonal expenses, and other operating costs.
Can I qualify for business funding with bad credit?
You may still qualify even if your credit is less than perfect. QM considers multiple factors, including business revenue, cash flow, time in business, and overall business performance.
How does repayment work?
Repayment depends on the funding product you receive. Payments may be structured as fixed daily or weekly payments, or may be based on a percentage of business sales. Your specific repayment terms are clearly disclosed before you accept an offer.
What are the requirements to apply for funding with QM?
To qualify for QM business funding, your company should:
- Be in business for at least 3 months
- Generate at least $6,000 in monthly revenue
- Have an active business bank account
How much funding can my business receive?
QM offers business cash advances ranging from $4,000 up to $800,000, depending on your revenue and industry. This flexibility makes it easier to secure the right amount of working capital for your business needs.
Are there fees for business funding?
Funding costs vary by product, amount, business profile, and repayment terms. QM focuses on competitive pricing and transparent terms, with costs designed to remain competitive with other alternative business funding providers. All applicable costs are disclosed before you accept an offer.
Does business funding affect my business credit score?
A Merchant Cash Advance is not a traditional loan, so it doesn’t always impact your business credit score the same way. QM does not require personal collateral, and repayment is focused on your revenue stream rather than your credit profile.
Why choose QM for business funding?
QM combines fast decisions, flexible funding options, multilingual support, transparent terms, and dedicated service. Our goal is to make the funding process straightforward while helping business owners access capital that fits their needs.
