Business Funding

Merchant Cash Advance (MCA)


Business owners receive funds as a lump sum upfront from a merchant cash advance provider and repay the advance with either a daily or weekly payment   


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Loan Amounts

    $2,500 – $500,000

Repayment Terms

       3 – 36 months

Interest Rates

    10 – 350% APR

 Turnaround Time

    1-7 days


Fast access to cash

Flexible repayment terms

Strong credit not required

You choose how to use

No collateral required

No personal Guarantee may be required

What is a Merchant Cash Advance?

A Merchant Cash Advance (MCA), also known as a “credit card split”, is an advance where a merchant receives a lump-sum payment in exchange for the sale of future credit card receipts. A certain percentage, or “factor rate” is added to the sum advanced to determine the total payback. Every time a merchant processes its credit card receipts, a process known as “batching”, Biz-Pay receives a percentage of each batch until the advance is satisfied. The use of pre-approved credit card processors is required for this product. Biz-Pay will provide further information and assistance to merchants interested in using this product.


3220 Tillman Dr, Suite 200

Bensalem, PA 19020



Biz-Pay® is an associated partner of a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA. and Esquire Bank, N.A., Jericho, NY. Designated trademarks and brands are the property of their respective owners. American Express may require separate approval. The Clover name and logo are owned by Clover Network, Inc. a wholly-owned subsidiary of First Data Corporation, and are registered or used in the U.S. and many foreign countries.