Fast, Low-Rate Merchant Cash Advances
Convert a slice of your future credit-card receipts into working capital in 24 hours or less—no collateral, no hard credit pull, and industry-leading factor rates starting at 1.15.
Why Choose Centaurus for Your Merchant Cash Advance?
- Factor Rates from 1.15 – 1.35: Among the lowest in today’s MCA market.
- 24-Hour Funding: Complete our one-page app + 3 months of statements—funds hit next-day.
- Bad Credit OK!: Bad credit is OK! Even if it's as bad as 500 Fico!
- Flexible Holdback: Daily ACH % auto-adjusts with your actual card sales.
- No Fixed Term: Pay off early and save—no prepayment penalty.
- Stack-Buyout Friendly: We consolidate up to 3 existing positions into one lower rate.
How a Merchant Cash Advance Works
- Apply: Submit your last 3 months of processing statements + bank statements.
- Get Offer: Receive a funding amount (up to 150 % of monthly card volume) and factor rate.
- Fund: Accept the offer—lump-sum wired to your business bank account within 24 hours.
- Remit: A small % of daily credit-card batches auto-repays the advance until the purchased amount is satisfied.
Perfect for Time-Sensitive Needs
☑ Inventory restock before peak season
☑ Kitchen or storefront renovation
☑ Emergency equipment replacement
Merchant Cash Advance FAQ
Is an MCA the same as a loan?
No—an MCA is a purchase of future receivables, so approvals focus on card volume, not personal credit.
How low are your factor rates compared to competitors?
Typical online lenders start at 1.45; our 1.15 – 1.35 range can cut cost of capital by 20 % +
Will the advance affect my processing rates?
Absolutely not. Your payment-processing fees stay at Interchange + 0.20 % + $0.10 or lower.
Get a No-Obligation Funding Quote
Email hello@merchantservicesmx.com or call (888) 731-0456. Most offers issued in two hours or less.