Merchant Cash Advances with 24 Hour Funding

We get paid when you do
We debit payments as a percentage of your sales, so you’ll never pay more than you can afford!
We’re a direct funder
If you’re eligible for funding, we let you know instantly and have the cash deposited within 24 hours.
No minimum credit score
We don’t care about your credit score, we only care about how well your business is performing.
Ready to fix your cash flow problems?

What is an MCA?
An MCA stands for a Merchant Cash Advance. Merchant cash advance financing is when a business borrows money against income from its future sales. This money isn’t a loan that needs to be repaid within a fixed term at a fixed rate. Instead, it is an advance that your business repays with a percentage of its future sales.
Since a merchant advance is not a business loan, but just a transaction, there’s no interest rate or APR. Moreover, your business doesn’t incur any actual debt from obtaining an advance like it would from borrowing a loan.
Ready to fix your cash flow problems?
Easy And Fast Qualification!
There are many reasons why Merchant Cash Advance can be more effective for your business than just a business loan from your bank. Working with AYF, you get it all.
Diverse funding
Up to $500k
Flexible repayments
Online monitoring
Credit Score
500+ Fico
Speed
Same day funding
Will My Business Be Approved For An MCA Loan?
If you answered yes to these questions, you are 90% likely to be approved for a merchant cash advance. All we’ll need to review are your past 4-6 months of bank statements or receivables. We’ll also take into consideration:
Ready to fix your cash flow problems?

MCA Benefits To Your Business
1
Your success is our success!
We debit MCA payments as a percentage of your future sales, which means that we only get paid once you get paid. You’ll never have to pay more than you can afford if, for example, sales are slower one month.
2
Approved today, cash tomorrow!
AYF is a direct funder, so we can cut straight to the point. If you need money fast to snap up a good business opportunity, you can count on us to have the money in your bank account within 24 hours of approval!
3
We see potential, not credit scores!
At AYF, we base our decision on your business performance, not your credit history. As long as you process your sales through card transactions and sales are consistent, you have a 90% chance of approval.
How a Business Cash Advance Works
Applying for a business cash advance is easy, straightforward, and 100% online. Our ‘zero commitment policy’ means that even after you are approved, you don’t need to complete the process if you don’t want to.
Once your cash advance request is approved, we’ll transfer the entire amount into your business bank account. There are two main ways you can pay back a business cash advance:
1
Using ACH payments – We wait for your credit card sales to deposit into your bank account, then debit the agreed % of sales by automatic debit transfer.
2
Using your card processing company – We’ll ask your business to use one of our preferred credit card processing machines. At the end of every day, a small percentage of your daily transactions are automatically debited until your advance is paid off.
With All Year Funding, every business is paired with a dedicated account manager to help them through the process from start to finish. We also provide your business with a secure online portal where you can track your account status from the application stage until the advance is paid off.
A Merchant Cash Advance
VS
A Traditional Loan
Fast funding – Time is money, and you have none to waste
Conventional loans require extensive credit and affordability checks and lots of paperwork. Even once you’ve completed the application process, there is a long review period and approval rates are low. However, with a merchant cash advance from All Year Funding, all you need to do is fill out a quick online application form. Since we’re a direct funder, we can advance you the cash within 24 hours of approval.
Affordable repayments – We get paid when you get paid
The most significant advantage that a merchant cash advance has over a loan is that the repayments fluctuate according to your income. This means that your repayments are always in proportion to your cash flow. Meanwhile, loan repayments are fixed and rigid. If business is slow for one month, you’ll still need to repay the same amount, regardless of whether your income is lower.
Bad credit compatible – We don’t judge you by your credit score
Unlike banks and conventional lenders, we don’t care about your credit score; we care about how your business is performing. Even if your company has had trouble repaying credit in the past, you still have a very high chance of approval as long as you have a steady flow of card sales.
Easy early repayment – Settle when you want with no penalty
Another benefit of a merchant cash advance vs. a loan is that you’re free to settle your obligation whenever you want with no charges or fines.
It’s important to mention that MCA funding is not cheaper than a business loan. Still, if you need fast funds, it can be a safe and affordable option for your business.
AYF is a Direct MCA Funder!
AYF is a direct funder, which means that we use our own money to help your business. Remember: Your success is our success! When you borrow a merchant cash advance, the success of your business is in our best interests! Using quick funding techniques and advanced account tracking features, we make every effort to ensure your business runs smoothly and continues to profit! Think of AYF more as your business partner, not your lender.
If you need money now, why not sell us part of your future credit card sales for instant cash? We work with all types and sizes of businesses and can advance up to $500,000 within 24 hours.
Want to see if you’re eligible for MCA funding from AYF?
MCA Alternatives
Don’t Allow a Lack of Funding
to Hold your Business Back
It’s time to move your business forward!