Get Funded Quickly with ECF Merchant Cash Advance

In today's fast-paced market, your business needs a financial partner that moves as quickly as you do. Express Cash Flow is proud to introduce our groundbreaking Merchant Cash Advance services, designed for businesses thriving on recurring revenue streams, monthly subscriptions, and real estate-based revenues. Whether you're looking to grow your business, acquire new equipment, or launch an aggressive marketing campaign, our Merchant Cash Advance provides the swift infusion of capital you need to achieve your goals.

Tailored Solutions for Recurring Revenue Models

Our Merchant Cash Advance is specifically tailored to support subscription-based services, SaaS companies, and real estate ventures.

Apply now and take the first step towards unlocking your business’s full potential

Rapid Funding

Get access to funds quickly, often within 24 hours of approval, so you can keep your business moving forward without missing a beat.

Expert Guidance

Our team of experts is here to guide you every step of the way, ensuring you make the most of your funding to drive your business success.


Our funding solutions are designed with your business needs in mind, offering flexible repayment options that align with your revenue flow.


Say goodbye to exhaustive paperwork and strict requirements. Our simple application process gets you the funds you need with minimal hassle.

What's a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is a form of business financing where a company receives a lump sum of money in exchange for a percentage of its future credit card sales. This method of funding is often used by small businesses that need quick access to cash and may not qualify for traditional bank loans due to poor credit scores or lack of collateral.

Real Estate Focused:

  • Property Management
  • Airbnb/VRBO/etc
  • Unique real estate situations

Why Merchant Cash Advance?

Business owners might consider using a Merchant Cash Advance (MCA) for several reasons, despite its typically higher costs compared to traditional financing options. Here are some key reasons why an MCA might be appealing:

Quick Access to Funds

MCAs can provide businesses with fast access to capital, often within a few days. This is particularly beneficial for businesses that need immediate funding to address cash flow issues, take advantage of time-sensitive opportunities, or handle emergencies.

Easy Application & Approval Process

The application process for an MCA is generally simpler and requires less paperwork than traditional bank loans. Approval is primarily based on the business’s credit card sales and history, rather than the owner’s credit score or collateral, making it a viable option for businesses with poor credit or those that do not have assets to offer as collateral.

Flexible Repayment Terms

Repayment is tied to the business’s sales volume, with a portion of daily credit card receipts going to the MCA provider. This means that during slower sales periods, the business pays back less, which can help manage cash flow fluctuations. This flexibility is particularly advantageous for seasonal businesses or those with variable sales cycles.

No Collateral Required

Unlike many traditional loans that require collateral to secure the loan, MCAs are unsecured. This means business owners do not have to risk personal or business assets if they cannot repay the advance.

High Approval Rates

Since the approval for an MCA is heavily based on the business’s sales history rather than creditworthiness, businesses that may not qualify for traditional bank loans often have higher chances of being approved for an MCA.

No Fixed Monthly Payments

The repayment structure of an MCA means there are no fixed monthly payments. This can relieve financial pressure on businesses during periods of low sales.

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Merchant Cash Advance Application Package

Please forward documents to [email protected]
and we can setup a call to discuss financing.