Merchant Cash Advance
Capital against future sales, not a loan.
Backstone connects eligible businesses with third-party providers offering merchant cash advance and sales-based funding.
How it’s different from a loan
Instead of borrowing money and paying it back with interest, an MCA is a purchase of a portion of your future receivables. A funding provider advances capital now; it’s repaid through daily or weekly remittances, typically a percentage of sales, using a fixed factor rate rather than an APR. See MCA vs. Business Loan for a full comparison.
| Funding potential | Up to $2M, subject to eligibility, underwriting, and provider criteria. |
|---|---|
| Time in business | Generally 6+ months. |
| Speed | Eligible businesses may potentially receive funding within hours after approval and completion of required steps — never guaranteed. |
| Pricing | A fixed factor rate applied to the advance amount, not an interest rate. See the Factor Rate Calculator. |
How this works: Backstone Capital Connect does not itself make loans, extend credit, or fund merchant cash advances. Backstone connects eligible businesses with third-party funding providers and does not guarantee approval, a specific funding amount, terms, or funding speed. All underwriting, approval decisions, and final terms are determined solely by the applicable third-party funding provider.