A Business Cash Advance (BCA) is a type of financing that grants businesses quick access to capital by advancing funds today based on future earnings. BCA’s are also referred to as Merchant Cash Advance (MCA).

The borrowed amount is repaid through a fixed percentage of daily credit card sales, (variable), or a fixed payment structure that remains constant. Compared to traditional business funding products, this type of funding may be more accessible to most businesses, including new businesses or start-ups.