How Fast Can You Get Funded with a Merchant Cash Advance?

In the fast-paced world of small business, timing is everything. Owners often need quick access to cash—for payroll, inventory, or filling sudden cash flow gaps. Merchant Cash Advances (MCAs) have become popular because they deliver funds fast. But how fast, exactly?

The Typical Funding Timeline

Speed is one of the biggest advantages of an MCA. While traditional loans may take weeks or months, MCA approval and funding can happen in as little as 24 to 48 hours once your application is accepted. That’s why they’re ideal for urgent financial needs.

Factors That Affect Funding Speed

• Complete Applications: Accurate documentation—bank statements, credit card sales, etc.—helps speed approval.
• Business Performance: Strong sales and a clean credit history improve turnaround times.
• Lender Processes: Some MCA providers use automation for fast decisions; others may require manual review.
• Disbursement Method: ACH or wire transfers are faster than mailed checks.

Tips to Speed Up the Process

• Have your documents ready in advance.
• Apply with lenders known for fast processing.
• Use electronic transfer methods.
• Maintain steady sales and clean records.

Step-by-Step Timeline: What to Expect

Step 1: Prep and Research

Gather recent bank statements, credit card processing history, and proof of revenue. This step can take a few days to a week, depending on how prepared you are.

Step 2: Submit Application

Submit your completed application. Many MCA systems offer instant decisions, but incomplete info can cause delays.

Step 3: Approval Process

Some approvals happen in hours with automated systems. Manual reviews may take 1–2 days. Expect some variability.

Step 4: Funds Disbursed

Funds are usually sent via ACH or wire transfer within 24 hours of approval. Manual methods may take a few days longer.

Step 5: Repayment Begins

Repayment starts as scheduled—typically as a percentage of your daily credit card sales. Stay on top of your repayment terms to avoid surprises.

Managing Expectations

• Be Transparent: Communicate with your lender about timing and possible delays.
• Build in Flexibility: Add a buffer in your cash flow plans.
• Track Progress: Keep tabs on each step in the process.

Bottom Line

MCAs are designed for speed. With proper preparation and the right provider, funding can happen in just a few days. By setting clear expectations and staying informed at each step, small business owners can access fast capital without disruption.

What Now?

Need funding fast? Contact Swish Funding today to explore your options and keep your business moving forward.