Securing an MCA loan


Empower Your Business an with MCA Loan


A merchant cash advance (MCA) enables companies to quickly obtain operating capital based on upcoming credit card or other receivables in order to meet their demands. An alternate method of financing, this one allows companies to access a big sum of money up front in exchange for a percentage of future revenue receivables at a reduced rate. As a result, the payment schedule can be adjusted to the pace of business sales.



MCA general eligibility




What can a small business use funds on?




There are several common ineligible uses of proceeds for this program:




Restricted industries:



We perform a soft credit check, which won't have an impact on your credit score. However, in order to process your loan application, the lenders with whom we partner will ask for a copy of your complete credit report from one or more consumer reporting agencies. This is known as a "hard credit pull," and it takes place after your application has been matched with a lender who is likely to fund your loan and is in the funding stage.


Recommended badge Approved badge Trusted Brand badge Customer Satisfaction badge

Start your Prequalification Application Now


Uh Oh!

Something went wrong. Please refresh the page and try again or call us at 888-787-5751


What Our Customers Say About Us


We care what our customers think of us and so should you. We are partners in your business and your success is ours.

As an immigrant business owner, the Free SBA Guide platform was like finding a cheat code for the American Dream! It's got everything you need to navigate SBA requirements, and it's written so clearly that even my grandma could understand it (and she still thinks Wi-Fi is a fancy dessert). The step-by-step instructions are easier to follow than my mom’s secret family recipes. It doesn't cover how to deal with my uncle's "advice" on running a business, but it's a lifesaver for those confusing SBA regulations. If you want to succeed without tearing your hair out, this guide is a must-have!

Ali. M

San Francisco, CA

2024-08-02

As a food business owner in Chicago, the Free SBA Guide platform has been an indispensable resource. It provides clear, detailed information on meeting SBA requirements, which was essential for my business's compliance. The step-by-step instructions made navigating the complexities of SBA regulations straightforward and stress-free. This platform has been crucial in ensuring that my business meets all necessary criteria. I highly recommend it to any food business owner looking for reliable guidance on SBA compliance.

Harold. G

Chicago, IL

2024-07-26

As a Kansas City business owner, I found the Free SBA Guide platform to be incredibly valuable. It offers clear, detailed information on meeting SBA requirements, which was crucial for my business's compliance. The step-by-step instructions made it easy to navigate the complexities of SBA regulations, ensuring that I met all necessary criteria without any confusion. This platform is an excellent resource for anyone looking to understand and comply with SBA guidelines. Highly recommend it for its thoroughness and clarity.

Karim. J

Kansas, KS

2024-06-02

As a Denver business owner, the Free SBA Guide platform was a breath of fresh Rocky Mountain air! It made navigating the SBA requirements easier than finding a good craft beer around here. The instructions are so clear and straightforward, even my cat could start a business (though her idea of a 'catnip café' might need some work)

Nicole. H

Denver, CO

2024-05-30

The Free SBA Guide platform is like having a wise (and surprisingly witty) mentor by your side. It walks you through the SBA requirements with a clarity that even my dog could understand. The step-by-step instructions are so easy to follow, I felt like I was assembling IKEA furniture (but with way less frustration and no leftover screws). While it won’t teach you how to make the perfect latte for your office, it’s a must-have for navigating those tricky SBA regulations. Highly recommend for a good laugh and solid advice!

Anna. B

Oklahoma City , OK

2024-05-28

The Free SBA Guide platform has been a game-changer for my business. It offers clear, concise, and actionable information on meeting SBA requirements. The practical advice and step-by-step instructions helped me navigate the complexities of SBA regulations with ease. I highly recommend this platform to any small business owner seeking reliable guidance on SBA compliance.

Salm K

New York, NY

2024-05-21
"My experience with OneFin Capital was rather unremarkable. The application process was straightforward, but their website lacked excitement and was a bit plain. Their team was polite and professional, but interactions felt mundane and lacked any personal touch."

Leila. M

Seattle, WA

2023-08-07
"I am extremely grateful for OneFin Capital's Free SBA Assistance Program. Their expert guidance and support made the SBA loan process so much easier. Highly recommend!"

Jason. J

Hemet, CA

2023-07-25
"I recently explored OneFin Capital's ERC program, and overall, it was a satisfactory experience. The program itself offers valuable financial support to eligible businesses. While there were some areas that could be improved, OneFin Capital's guidance and partnership with SmartBiz added credibility and expertise to the process. The communication could have been more proactive, but once I reached out, the support provided was thorough. I appreciate the efforts made by OneFin Capital in assisting businesses like mine through the ERC program. Thank you for the support."

Shawna. L

Jacksonville, FL

2023-07-19
"I recently participated in the ERC (Employee Retention Credit) program offered by OneFin Capital, and I am extremely satisfied with the experience. The program provided valuable financial support to my business during challenging times. The application process was straightforward, and the team at OneFin Capital was incredibly helpful and responsive."

Willie. P

San Diego, CA

2023-07-19
"I was impressed with the knowledgeable staff of OneFin Capital. They helped me with my SBA loan application. Although I did not have knowledge of the steps and the approval status. I tried their free SBA assistance program. They contacted me immediately and they explained the process. Helped me understand the paperwork involved. Few weeks later had my loan funds transferred."

Joe. G

San Diego, CA

2023-07-14
"Holy smokes, OneFin Capital is like the financial version of a ninja! πŸ₯·πŸ€‘ I felt like they swooped in and saved my business from a financial meltdown faster than you can say "cash flow crisis!" πŸ’¨πŸ’Έ"

Dan. K

Denver, CO

2023-06-10
"I found their range of financial products, including the ERC program, to be appealing and potentially beneficial for businesses in need of funding. It's evident that OneFin Capital aims to provide support during challenging times."

Lynda. G

Chicago, IL

2023-05-22
"I was stuck in the money maze, desperately seeking funds for my business. It felt like I was lost in a labyrinth of loan jargon and complicated applications. But then, like a shining beacon of hope, I stumbled upon OneFin Capital's website."

Lara. T

Orange, CA

2023-05-04
"Oh, boy, let me tell you about my wild ride with OneFin Capital! πŸŽ’πŸ’Έ These guys are like the party animals of finance! πŸŽ‰πŸΎ From their funky website to their team's infectious energy, they had me dancing in my office chair while applying for a loan! πŸ’ƒπŸ•Ί"

Crystal. M

Chula Vista, CA

2023-04-10
"Thanks to OneFin Capital, my business has taken a giant leap forward. They have become an essential partner in my growth journey, and I cannot recommend them enough to entrepreneurs looking for a supportive and dynamic financial ally. Their dedication to helping businesses thrive is contagious, and I'm thrilled to be on this exciting ride with them!"

Kate. M

Chicago, IL

2023-04-06
"OneFin Capital has completely transformed my perception of the SBA loan process! From the very beginning, their team demonstrated an unparalleled commitment to expedience, efficiency, and excellence."

Eddie. O

Daly City, CA

2023-04-02
"OneFin Capital provided the funding my business needed promptly and efficiently. Their user-friendly website made the application process straightforward, and their team was attentive and helpful. While communication could have been more consistent, the funds received had a positive impact on my business, enabling growth and addressing urgent needs. Overall, a reliable source of financial support for businesses."

Jhon. T

Portland, OR

2023-03-15
"Okay, so I gotta spill the beans about OneFin Capitalβ€”these folks are like the financial superheroes of the business world! Seriously, I half-expected them to show up in capes and masks, ready to save the day with their funding magic!"

Jake. N

Aikin, SC

2023-02-13
"My experience with OneFin Capital was truly exhilarating! From the moment I started the application process, I could feel their passion for helping businesses like mine succeed. Their team was not only professional but also genuinely enthusiastic about understanding my unique needs and goals."

Barbara. R

Chino, CA

2023-01-26
"OneFin Capital's financial services have unequivocally proven to be efficacious in providing a much-needed impetus to my entrepreneurial endeavor. The facile and streamlined application process, complemented by the team's adroit responsiveness, engendered a profound sense of satisfaction."

Mike. H

Pomona, CA

2023-01-25
"Hey there, fellow business peeps! Let me tell you about my experience with OneFin Capital. It was like finding a pot of gold at the end of a financial rainbow! 🌈"

Lana. B

San Francisco, CA

2023-01-05
"I had some initial concerns about working with OneFin Capital, as I am based in the Eastern time zone and they are located on the West Coast. However, I must say that they pleasantly surprised me with their level of support and responsiveness. Despite the time difference, they made sure to accommodate my needs and were always available to answer my questions and address any concerns promptly.

Philip. Z

Philadelphia, PA

2022-11-10
"I am an international business owner and English is not my first language. I had the privilege of working with OneFin Capital for my business financing needs, and I must say their service was outstanding."

Shlomo. T

New York, NH

2022-09-22
"My experience with OneFin Capital was nothing short of exceptional. From the beginning, their professionalism and dedication to supporting my business needs were evident. The application process was straightforward, and their team was highly responsive, guiding me through each step with clarity and efficiency."

Fares. J

Newport, CA

2022-07-14
"Thank you OneFin Capital for your invaluable assistance with my MCA loan. As a small business owner in the bakery industry, I needed financial support to expand my operations and seize new opportunities. OneFin Capital not only provided me with the funds I needed but also guided me through the entire process with professionalism and expertise. Their team understood the unique challenges and needs of my business, and they tailored a financing solution that perfectly suited my requirements. "

David. B

Chicago, IL

2022-07-10
"Oh, buckle up because my experience with OneFin Capital was nothing short of exhilarating! πŸš€ From the moment I landed on their website, I felt like I was on a thrilling financial adventure! The application process was smoother than a roller coaster ride, and their team was like an enthusiastic support crew, cheering me on at every turn! 🎒πŸ’ͺ"

Jessie. J

Oakland, CA

2022-01-13
"If you want a financial partner that injects excitement and energy into the funding process, look no further than OneFin Capital! They turned finance into an adrenaline-pumping adventure, and I'm ready to take on the world with their support! πŸŒπŸŽ‰"

Tony. J

San Jose, CA

2021-09-04
"I want to express my heartfelt thanks to OneFin Capital for their exceptional support with my SBA application. Their expertise and guidance throughout the process were invaluable. With their assistance, I was able to navigate the complexities of the application seamlessly. I highly recommend OneFin Capital for anyone seeking SBA loan support. Thank you for making my experience stress-free and successful!"

Ashland. M

Los Angeles, CA

2021-08-12
"My experience with OneFin Capital was a mixed bag, with both positives and negatives to consider.
On the bright side, their website was user-friendly and informative, providing a good overview of their financial products and services. I appreciated the clear explanations of the various loan options available. However, as I delved deeper into the process, I encountered some delays in receiving updates and responses to my inquiries. This lack of consistent communication left me feeling uncertain and frustrated at times."

Mohsen. T

Atlantic City, NJ

2021-07-20
"I try OneFin Capital and it very good for my business. The application is easy and they answer fastly. The fund help me much for my shop and I can grow now. Their team very friendly and help much. I like their service and will use again. Recommend for people want money for business. Thank you OneFin Capital! "

Jamie. K

San Francisco, CA

2021-04-22
"I recently worked with OneFin Capital for my business financing needs. While I appreciate their assistance, I had a few challenges along the way. The communication could have been more consistent and timely, and there were some delays in the processing of my application. However, once the issues were addressed, they worked diligently to find a suitable financing solution for my business. Overall, I appreciate their efforts, but I believe there is room for improvement in terms of communication and efficiency."

Malik. H

New York, NY

2020-03-10
"I would like to take a moment to express my utmost appreciation for Scott from OneFin Capital. His exceptional assistance and dedication throughout the process were truly remarkable"

Jeff. M

Temecula, CA

2020-01-31
"While there were a few minor delays during the underwriting process, the overall experience was highly satisfactory. I appreciate OneFin Capital's commitment to helping businesses like mine access the funding they need. I would recommend their services to other business owners seeking a Line of Credit."

Julie. L

Miami, FL

2020-01-04