What Is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a flexible alternative to traditional bank loans, providing fast funding based on your business’s revenue—not your credit score. At Lily Pad Financial, we offer a streamlined solution for businesses needing immediate access to working capital without jumping through the hoops of traditional underwriting.
Instead of monthly loan payments, we purchase a portion of your future sales. This means repayments are tied to your revenue flow—no fixed payments, no waiting, no rigid terms.
Why Choose Lily Pad Financial for Your MCA?
- Funding up to $1,000,000 based on your revenue and business health
- Approvals in under 24 hours and funding in 1–2 business days
- No collateral required – unsecured funding for small and mid-sized businesses
- Bad credit okay – we focus on performance, not FICO scores
- Flexible repayment terms – daily or weekly deductions via ACH or split
- High-risk industry approvals – even if you’ve been declined elsewhere
Who Is This For?
We serve a wide range of industries where cash flow can be uneven, seasonal, or delayed. This includes:
- Restaurants & Hospitality
- Retail & E-commerce
- Medical Practices & Dental Offices
- Auto Repair Shops
- Salons & Day Spas
- Liquor Stores & Convenience Stores
- Construction & Contracting Services
Not sure if your business qualifies? Talk to our funding specialists today.
How It Works
- Apply in minutes. Submit a simple application and 3–6 months of business bank statements.
- Get approved fast. We’ll review your cash flow, not just your credit.
- Receive funding. Once approved, funds are deposited in your account—often within 24–48 hours.
- Repay as you earn. Payments are automatically deducted as a percentage of your daily or weekly sales.
What You Need to Qualify
- 6+ months in business
- $10,000+ in monthly revenue
- U.S.-based business
- Active business checking account
Whether you’re expanding, covering payroll, bridging a slow season, or upgrading equipment—we can help.
How Lily Pad Financial Is Different
We’re not just a broker—we’re your working capital partner. We tailor every advance to your specific needs and timeline. Unlike banks, we don’t bury you in paperwork, deny you based on credit, or take weeks to decide. Our approach is simple: Revenue in, funding out.
Our MCA platform is optimized to deliver faster approvals, easier renewals, and better customer support.
FAQs About Merchant Cash Advances
Q: Is this a loan?
A: No. A merchant cash advance is a purchase of future receivables, not a loan. That means no interest rates, just a set payback amount agreed upfront.
Q: Will this hurt my credit?
A: We don’t do hard credit pulls during prequalification. And since it’s not a loan, it doesn’t appear the same way on your credit report.
Q: How do I make payments?
A: Payments are automatically deducted from your daily or weekly revenue. We use ACH or split processing, depending on your business type.
Q: Can I renew or increase my funding?
A: Yes. Most clients qualify for renewal when 50% of their original advance is paid down. Repeat clients receive priority processing and larger offers.
Start Your Application Today
We’ve helped thousands of small businesses unlock cash flow without red tape. You can be next.
Apply Now or call us at (866) 220-1137 to speak with a working capital advisor.