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Merchant cash advance for small businesses
Get funding based on your future sales, with repayments that flex with your daily revenue.
About
What is a merchant cash advance?
A merchant cash advance (MCA) gives you cash today in exchange for a share of your future sales. Unlike a traditional loan, it isn’t repaid in fixed instalments.
Instead, the lender takes a fixed percentage of your daily EFTPOS or credit card transactions until the advance is repaid in full. It suits Australian businesses with consistent card-based turnover who need funding quickly.
Typical uses
- Renovating your business premises
- Moving to a new location
- Buying inventory
- Hiring and paying employees
- Buying equipment
- Increasing working capital
- Covering marketing costs
- Making tax payments
Eligibility
You may be eligible for a Merchant cash advance if your business:
0 of 3 ready. Tick what you already have.
Specific criteria can vary between lenders and products.
Requesting a quote has no impact on your credit score.
- Stocking up on inventory ahead of a seasonal rush
- Covering a supplier payment or surprise cost right away
- Upgrading equipment and repaying it as sales come in
- Bringing on extra staff or funding a marketing push for a busy stretch
To qualify for a merchant cash advance in Australia, most lenders require:
- A minimum of 3–6 months trading history
- Consistent weekly or monthly card sales
- Minimum monthly turnover (usually from $5,000)
- An ABN and active business status
Specific criteria can vary between lenders and products.
Why it works
The benefits of a merchant cash advance
Repayments that flex with your sales
Pay more when business is strong and less when it's quiet.
Fast access to funds
Approvals and funding often within 24-48 hours.
Simple application
Fewer documents and fast online processing.
Cash flow-friendly
Repayments fluctuate with your takings, easing pressure during quieter periods
- Have I compared the total cost against other funding options?
- Would a shorter repayment window suit my plans, or would I prefer more time?
- Am I comfortable with repayments adjusting automatically day to day?
- Effective interest rates can be higher than with traditional loans.
- MCAs are usually repaid over a short window, often 3-12 months.
- Repayments come from your daily sales, so a slow patch can stretch out how long repayment takes.
Merchant cash advance
Key features
- Loan amount
- $10,000 – $150,000
- Speed
- 24 – 48 hours
- Repayments
- A percentage of your sales
Getting started
How to apply for a merchant cash advance
Step 1: Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2: Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3: Get funded
Sign your finance documentation and receive funding. It is that simple.
Awarded and sorted
Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
Our panel
95+ business lenders
in your back pocket
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
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FAQs
How do repayments work if my sales go up and down with an MCA?
Since repayments are based on a percentage of sales, you'll pay more when sales are high and less during slower periods, providing cash flow flexibility.
How are MCA repayments calculated?
MCA repayments are a fixed percentage of your daily card sales, ensuring they align with your business's revenue.
How quickly can I access MCA funds?
Once approved, funds are typically disbursed within 24 hours.
What is a merchant cash advance?
A merchant cash advance (MCA) provides a lump sum payment to your business in exchange for a percentage of future sales. Repayments are usually made automatically through your daily EFTPOS or credit card transactions.