Merchant Cash Advance

Merchant Cash Advance

Flexible Working Capital with Proto Financial Corp's Merchant Cash Advance

At Proto Financial Corp, we understand that businesses need quick, reliable funding to grow, adapt, and thrive. Our Merchant Cash Advance (MCA) program is a fast and flexible financing solution designed for business owners who need access to capital without the hassle of traditional bank loans.

Why Choose a Merchant Cash Advance?

A Merchant Cash Advance isn’t a loan-it’s an advance based on your business’s future revenue. We purchase a portion of your future sales and provide you with a lump sum upfront, which you repay through a small percentage of your daily credit card or bank deposits.

This option is ideal for:

- Purchasing inventory or equipment

- Covering payroll or operational costs

- Expanding your location or services

- Managing seasonal slowdowns

- Handling emergency expenses

- Covering payroll or operational costs

Key Benefits with Proto Financial:

Fast Funding: Get approved and funded in as little as 24 hours

Flexible Amounts: Access between $5,000 and $200,000

High Approval Rate: We focus on business performance, not just credit score

Simple Repayment: Payments align with your sales volume, so you pay more when business is strong and less when it's not

Minimal Documentation: Just provide 4-6 months of business bank statements to get started

How It Works

Apply Online

Submit a quick application with basic business details

Get Matched

A dedicated account specialist will tailor funding options to your needs

Receive Funds

Once approved, funds can be deposited as soon as the next business day

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At Proto Financial Corp, we’re committed to helping businesses move forward confidently and quickly-with funding solutions that work with your cash flow, not against it.