Straight answers to help you make a confident decision — no jargon, no pressure.
A merchant cash advance (MCA) is a lump sum of working capital you repay as a small, automatic percentage of your future sales — instead of a fixed monthly loan payment. Because repayment flexes with your revenue, it funds fast and fits businesses with uneven or seasonal cash flow.
It's not a bank loan, and it's for business purposes only. The key is transparency: you should always know your full cost before you sign. That's our pledge.
Faster than most people expect. With Credit Capital Co, many businesses get a decision within a few hours and money in the bank in as little as 24 hours after accepting terms. The biggest factor in speed is how quickly you provide your documents — which is why we keep the list short.
We only ask for what we truly need to make a fair decision: your four most recent business bank statements, a voided business check, a government-issued ID with a clear photo, and a few basics about your business (revenue, entity type, start date). You can upload them securely — everything is protected with bank-level encryption.
Most growing businesses are a great fit if they have been operating for 6+ months, do at least $15,000 in monthly revenue, have a 500+ personal credit score, and are based in the U.S. We publish these upfront so you never waste your time.
No. Seeing your options uses a soft inquiry that has zero impact on your credit score. A hard pull only happens later, with your permission, if you decide to move forward.