Not every business owner has perfect credit — and truth be told, many don’t. But that doesn’t mean growth has to stop. For entrepreneurs with credit scores in the 500–650 range, a Merchant Cash Advance (MCA) can be a practical way to access working capital when banks and traditional lenders say no.
At Diverse Merchant Solutions, we understand that real businesses face real challenges. What matters most is your revenue, your sales history, and your drive to keep your business moving — not just a credit score.
Why an MCA Works for Lower Credit
An MCA is not a loan. Instead, it is an advance on your future card or bank deposits. Because the repayment is tied to sales, lenders pay more attention to your revenue than your credit score. As a result, owners with lower credit may still qualify.
Key advantages include:
- Quick approvals
- Funding in 24–48 hours
- No collateral
- Easy renewal options
- Payments adjust with your sales
Moreover, you avoid the long underwriting process that banks require.
Simple Qualifications
While MCAs are flexible, lenders review a few essential factors. These help confirm that your business brings in steady revenue.
Most approved businesses have:
- Credit score: 500–650+
- Monthly revenue: $10,000 or more
- Time in business: At least 6 months
- Regular deposits: 8–12 per month
If your business meets these basics, you may be eligible.
How Business Owners Use an MCA
Many owners choose an MCA because it delivers capital quickly. This helps when opportunities or challenges come up unexpectedly.
Common uses include:
- Buying inventory
- Covering payroll
- Handling slow seasons
- Repairing equipment
- Marketing or advertising
- Managing unexpected expenses
Because repayments adjust with your sales, the structure feels more manageable compared to fixed monthly payments.
What to Expect Before You Apply
Although the process is simple, understanding the terms helps you make a confident decision. Here is what you can expect:
- A fixed payback amount
- Daily or weekly payments
- Short terms from 3–12 months
- No hard credit pull with most funders
- No prepayment penalties
In addition, a dedicated advisor should explain the numbers clearly. We do that at every step so you understand the total cost before you move forward.
Is an MCA Right for You?
If you have consistent revenue but lower credit, an MCA can keep your business moving. It’s often the fastest way to secure working capital when banks say no. Even better, it can help you stabilize your operations while you work on rebuilding your credit.
At Diverse Merchant Solutions, we match you with the lender that fits your needs best. Whether you need $5,000 or $700,000, we guide you from start to finish.
If you want to explore your options, schedule a quick call today. We are here to help you move forward.