A merchant cash advance, or MCA, is a working capital option where a business receives a lump sum of capital in exchange for a share of future sales revenue. Repayment is typically made through daily or weekly deductions from credit card or debit card transactions, or through fixed ACH withdrawals based on estimated revenue. It is not a loan but a purchase of future receivables, meaning the funder is buying a portion of your expected income at a discount. MCAs are known for fast approvals and minimal documentation, but they often come with higher fees than traditional financing.

If your business brings in steady daily or weekly sales and needs quick access to cash, an MCA can help cover urgent needs like payroll, inventory, or unexpected expenses. It is especially useful when timing matters more than cost, such as navigating a seasonal uptick or recovering from a revenue dip. Because repayment is based on actual sales, it flexes with your performance, offering breathing room when revenue slows down.

At Aranea Capital, we connect you only with MCA providers who offer fair terms, clear repayment schedules, and no hidden fees. We help you understand the total cost of capital and ensure that the funding will support, not strain, your operations. We act as your advocate in a space that often favors the funder, making sure you get fast capital without compromising long-term stability.