Merchant Cash Advance Loans for the growth of your business

We are experts in merchant cash advance financing with flexible terms to suit any business.
Free Consultation – No Obligation

Unsecured Funds

Loans up to $5M. In most cases, No Collateral Required*

Quick Funding

Obtain funding within a few days after approval.

Simple & Easy

Bad Credit or Past Credit Issues may NOT be a problem.


Fast Approvals

Approval within 24-hours of submitting the application.

Cadreau Capital Funding Makes Attaining Merchant Cash Advances Quick & Simple!

The meager reputation of traditional bank loans stems from their strict repayment process. Borrowers must begin paying back the debt almost at once after funding is dispersed. This makes business owners justifiably cautious about using bank loans to finance both short & long-term investments, or borrowing during their industry’s slow period.

How are they likely to make fixed, monthly payments when they scarcely have enough money to cover regular expenses? Yes, they may be using the funding to increase revenue but occasionally, that boost does not occur for quite a few months after an investment is made.

Businesses that conduct a lot of sales via debit or credit card can dodge these problems with a Merchant Cash Advance. This type of working capital loan is tailored primarily towards businesses that are naturally prone to recurring, lengthy dips in cash flow. While a merchant cash advance can be used for a wide variety of purposes, it is just as right for businesses looking to increase revenue over a lengthened period of time as it is for the business looking to make the most on a more immediate opportunity. Contact us today for your free business funding consultation!

Max Funding Amount

$7,500K to $1M

Funding Term

3 – 18 Months


Starting at 1.09%


1-2 Business days
To Learn More about our Merchant Cash Advance Loans call:

(916) 990-3625

or email us at

What Documents Will I Need To Apply For A Merchant Cash Advance?

Driver’s License

Voided Business Check

Bank Statements

Credit Score

Business Tax Returns

Credit Card Processing Statements

Ready to take the next step and apply for A Merchant Cash Advance Loan?

What Is A Merchant Cash Advance?

A merchant cash advance is a large sum that is paid back via a fixed percentage of daily debit and credit card sales. So, to be approved for a merchant cash advance, you must be able to show steady debit and credit card sales within the most recent months. A perfect credit score is not needed. A merchant cash advance is extremely easy to pay back. That percentage is deducted automatically, even before the deposit reaches your bank account. In other words, there’s no such thing as a “missed or late payment” with a merchant cash advance.

Your lump sum is based on the number of profits you are expected to receive via debit and credit card sales. Instead of a traditional interest rate, you are given a “factor rate” and a “retrieval rate.” Factor rates range between 1.09% and 1.5%, while retrieval rates can range from 5% to 15%.

For example, you are assigned a factor rate of 1.15 and a retrieval rate of 10% for a $50,000 MCA. On a given day, you conduct about $2,000 worth of debit and credit card sales.

$50,000 x 1.15% = $57,500, or the total amount you would have to pay back.

$2,000 x 0.10% = $200, or the amount that would go to the business lender until the $57,500 is paid back in full.

While the percentages are based on daily sales, the regularity in which payments are collected fluctuates. Payments are made each time you batch out your transactions, which most often happens daily, but not always.

What do I need A Merchant Cash Advance for?

Like any other working capital product, a merchant cash advance makes sense when you are expected to earn significantly more cash than you’d have to pay back. Choosing a merchant cash advance over another choice usually comes down to how long it will take for the debt to be paid back in full.

A long-term investment is, by meaning, more expensive and more profitable than a short-term investment. But just because an investment takes a few months to affect revenue doesn’t necessarily mean it takes a few months to carry out. This explains why an advertising campaign, bulk inventory order, and new equipment are all valuable uses for a merchant cash advance. You could fund your investment and pay the principal down with the increased revenue you are anticipated to receive as a result.

What makes a merchant cash advance so helpful for seasonal businesses is the capability to make lower payments when business is slow. The slow season is followed by the busy season, but you cannot expect a strong busy season if you do not prepare in the months prior. A merchant account loan allows you to spend months focusing on preparation-related approaches (increasing staff, developing a new product, etc.) without having to make high fixed payments that could kill cash flow.

Partner with Cadreau Capital Funding today!

Many small business owners use merchant cash advances to handle regular business expenses during slow periods. But this is only a practical decision if the business is using its own funds to increase or at least even out revenue. For this reason, it might not be in your best interest to take out a merchant cash advance to get you through a momentary, unpredicted cash flow crunch. Apply now to see how much you qualify for!

How to Apply For Merchant Cash Advances With Cadreau Capital Funding:

Apply in just a few minutes Online. Need Help, call (916) 990-3625.
We analyze business your needs to pick the best loan option
Dot a few i’s and get financed in a few days!

Are you ready to grow your business?

We have the right program.

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