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A merchant cash advance (MCA) is a form of business funding where a lender provides a lump sum of capital in exchange for a percentage of future daily credit card and debit card sales. It is not a traditional loan — repayment adjusts automatically with your daily revenue, so slower days mean smaller payments.
Lending Valley offers merchant cash advances ranging from $10,000 to $2,000,000. The amount you qualify for is based on your average monthly revenue, not your credit score.
Most businesses receive funding within 24 to 48 hours after approval. Applications are reviewed the same business day they are submitted, and approvals often come back within hours.
$5,000–$500,000 Available • Approval in 24–48 Hours • No Collateral Required
Apply Now →A low credit score should not stop you from growing your business. Lending Valley specializes in merchant cash advances and bad credit business loans for entrepreneurs who have been turned down by traditional banks. We evaluate your business based on monthly revenue—not just your credit score.
Yes. Lending Valley specializes in bad credit business loans and approves businesses based on monthly revenue, not credit score. Many clients with FICO scores below 500 have been approved and funded within 48 hours.