Merchant Cash Advance
Capital in as little as 24 hours, sized off your sales, not your credit score.
A Merchant Cash Advance is the purchase of a portion of your future receivables at a discount. You get a lump sum now; the funder collects an agreed percentage of deposits (or a fixed daily/weekly remittance) until the purchased amount is delivered. No hard collateral, minimal paperwork, and approvals driven by bank activity.
From application to wire
- 1
Send 4 months of statements
We read deposits, average daily balance, existing positions, and NSF activity — the same way a funder's underwriter will.
- 2
We shop the file
LeoLend positions your file with the funders whose credit box fits it, so you see the best factor and term available, not the first one.
- 3
Pick your structure
Choose daily or weekly remittance and the term that fits your cash cycle. Offers come in as fast as same day.
- 4
Wire hits
Sign the contract, complete a short verification call, and funds wire — often within 24 hours of approval.
Best for
- Inventory buys and seasonal ramp-ups
- Payroll gaps while receivables catch up
- Businesses with strong deposits and imperfect credit
- Owners who need capital this week, not next quarter
What the numbers look like
Restaurant inventory + patio build-out
- Monthly deposits
- $0
- Funded
- $0
- Factor
- 0.00 → $140,800 purchased
- Remittance
- $0/weekday over ~6 months
Result: Patio opened before summer. Seasonal covers lifted monthly revenue ~22%, and the advance was renewed early at a lower factor.
Trucking fleet repair surge
- Monthly deposits
- $0
- Funded
- $0
- Factor
- 0.00 → $312,500 purchased
- Remittance
- $0/week over ~6 months
Result: Four trucks back on the road in 9 days instead of sitting idle — each one billing ~$18k/month again.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where MCA works best
Restaurants & Hospitality
Card-heavy daily deposits make remittance track sales naturally.
Retail & E-commerce
Fund inventory before peak season and pay back from the sales it creates.
Trucking & Logistics
Bridge fuel, repairs, and slow broker pay without pledging trucks.
Construction & Trades
Cover materials and mobilization while waiting on draws.
Auto Repair & Body Shops
Handle parts and insurance-pay delays with fast working capital.
Run your MCA numbers
- Revenue profile: $100,000/month
- Existing positions: 0 current
- Operating history: 1-2 years
Optimized illustrative scenario—not an approval or offer. An MCA is a purchase of future receivables, not a loan.
Straight answers
Is an MCA a loan?
No. It is a purchase of future receivables. It is priced with a factor rate, not an interest rate.
Can I get one with existing positions?
Often, yes. We size the file around what the bank account can actually support.
Does applying hurt my credit?
Initial review uses a soft pull or no pull. A funder may pull credit before final approval.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
Applying does not obligate you to accept an offer. By applying you agree to our Terms & Merchant Agreement, Privacy Policy, and Legal & Disclaimers. Text messages are sent only with your express consent; consent is not a condition of funding. Msg & data rates may apply. Reply STOP to opt out, HELP for help.