A merchant cash advance loan provides a business with immediate access to funds based on future credit card receivables. This business cash advance works by providing a business with quick and easy access to capital in exchange for a reduced share of the company's future revenue receivables. Certain conditions must be completed to be approved for an MCA. One of the most crucial factors is that the company accepts credit card payments. Applying for an MCA at Merchantech is simple and quick through our online portal and can be done from a phone, tablet, or computer.