Merchant Cash Advance

Flexible, Fast and Same day Funding When You Need It Most

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Merchant Cash Advance at a Glance

What to Expect

Lines of Credit

Up to $5,000,000+

Repayment terms

6 to 36 Months

Payment Options

Daily or Weekly

Available through

PCG & Our Finanacing Network

Merchant Cash Advance 101

What is Merchant Cash Advance

A Merchant Cash Advance is a financing option where a business receives a lump sum of cash in exchange for a percentage of future sales, repaid through daily or weekly deductions from credit card transactions or bank deposits.

How to apply for Merchant Cash Advance

Gather recent bank statements and sales data, Submit an application to Pennington. Once approved, receive a lump sum of cash and repay it with a percentage of your daily or weekly sales until the advance is paid off.

Benefits of Merchant Cash Advance with Pennington

Fast and Easy Access to Funds

Get approved quickly and receive funds in as little as 24-48 hours, making it ideal for businesses in need of fast capital.

Flexible Repayment Based on Sales

Payments are automatically deducted based on your daily credit card sales, so you only repay when you earn, helping to ease cash flow challenges.

No Collateral Required

Unlike traditional loans, an MCA is unsecured, so you don’t need to put up assets or personal guarantees to qualify.

Minimal Paperwork

The application process is simple with fewer requirements compared to traditional loans, making it easy to apply and get approved.

Quick Approval for Businesses with Seasonal Income

Since repayments are tied to sales volume, MCAs are ideal for businesses with fluctuating income or seasonal cash flow.

No Fixed Monthly Payments

Repayments adjust based on your sales, providing flexibility when business revenue is lower, and ensuring you’re not stretched financially.

Perfect for Emergency Cash Flow Needs

Whether you need to cover payroll, purchase inventory, or handle unexpected expenses, an MCA gives you fast access to the funds you need to keep your business running smoothly.

Use Funds for Any Business Purpose

Use your MCA funding for anything—from marketing to equipment purchases—giving you the freedom to grow your business as needed.

Qualifying for a Pennington Merchant Cash Advance

Merchant Cash Advances provide a flexible, fast, and simple funding solution, ideal for businesses needing immediate capital without the complications oftraditional loans.

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Time in Business

3 Months

Annual Revenue

$0K

Credit Score

0+

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