Merchant Cash Advance (MCA) | DirectLenderMatch

What is it?

DirectLenderMatch classifies Merchant Cash Advance (MCA) under the financing form “Receivables purchase/advance.” Its typical use in this directory is: Advance against future business receipts.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Future card/receivable sales. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Advance against future business receipts.

What backs or supports it?

Future card/receivable sales.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Financing, not a conventional loan

Workbook classification: No. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct financing provider

Credibly

Credibly currently provides merchant cash advances as purchases of a portion of a business's future receivables.

Official evidence page →

Last verified: 2026-08-23

Direct/partner business-funding provider

Rapid Finance

Rapid Finance currently provides merchant-cash-advance/business-funding products.

Official evidence page →

Last verified: 2026-08-23