Convenient Capital

A fast application of working capital (typically up to $1,000,000) to keep your business moving forward.

10K to 1M
interest rate
As low as 10%
depending on provider
Time to Fund
24 hrs
Up to 2 years
credit check
credit check
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Micro Loans
business funding platform

Merchant Cash Advance

A merchant cash advance allows you to borrow against future earnings to access that capital today.

Applications are instantly approved based on your previous quarter revenue (some exceptions apply) and you can receive the funds the same day you request them.

Use cases (Benefits):

Unlike an equipment loan or another use-specific financing product, a merchant cash advance can be used at the discretion of the business owner. Here are a few examples of when an MCA can come come in handy:

1. Seize New Opportunities

Finally, an MCA can help a small business leap into expansion opportunities that require funds beyond what’s currently on hand. Being able to take on opportunities as they appear can be a boon to business growth longer term—and the speed of a merchant cash advance can help facilitate them.

2. Shore Up Inventory

MCAs are popular with businesses in the beverage and restaurant space, as well as retailers, because they can be used to buy inventory, which is especially useful for businesses with busy/slow periods throughout the year.

3. Operate Seasonally

For businesses that operate only on a seasonal basis, applying for an MCA before the start of the busy season to ensure the availability of funds on-hand to run at full steam from day one.  

4. Handle Unexpected Crises

Beyond cash crunches, an MCA can help a business overcome costly problems, like an equipment failure. Once approved for an MCA, a small business can receive funds quickly and take on issues that might not have been affordable otherwise.

5. Avoid a Cash Crunch

A cash crunch—when cash outflow exceeds cash inflow—can be disastrous, like when an unexpected bill depletes the reserves to pay employee wages or rent. An MCA’s fast approval process can serve as a quick fix.


Qualifying for a merchant cash advance, like the funding itself, is often fast and easy. Due to the nature and terms of the loan, the requirements for a business cash advance are typically pretty lenient.

What you’ll need to do to qualify for a merchant cash advance:

What you can typically skip when applying for a merchant cash advance:

  • A mountain of paperwork
  • A credit pull
  • Your business’s precious collateral

See what you qualify for

No really, why wait? Let's do this!

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Get Pre-approved Today

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  • green bullet item

    Flexible requirements

  • green bullet item

    Quick application process

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    No credit history checks


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    Frequent payments

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“Tim and Kevin are an amazing duo who are super responsive and pushed to help us get the funding we needed fast. Great team great service"
“I was able to cover all my expenses in less than 24 hours when nobody else approved me. Will definitely do business with Uplyft again."
Brad Brown / Owner
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