Fast And Easy Loans For Merchants

All businesses that process credit cards have access to quick cash through a Merchant Cash Advance (MCA). While technically not considered a “loan”, a Merchant Cash Advance is an advancement of future credit card transactions with a fixed payback schedule that is way more flexible than traditional bank loans.  


No Restrictions 

Merchant cash advances are a type of financing for businesses that need immediate capital to cover cash-flow shortages, inventory, marketing campaigns, remodeling projects or basically, anything you want – including personal expenses. There are no restrictions on how you can spend the money. 


Bad Credit – No Problem! 

If your credit history isn’t so great, a merchant cash advance is a great option for you since decisions are not based upon personal credit.  


How much do you need?  

Cash Advance amounts can range from $2500 to $500,000.  


Merchant Cash Advance Details 

A merchant cash advance is an alternative type of business financing that provides you with cash that you repay using a percentage of your future credit card sales, plus a factor fee. There is no interest applied to MCAs. Instead, a rate factor is added, and you are presented with a Total Repayment Amount and a payment schedule. 


Payment Schedule 

Merchant cash advances are automatically deducted as a daily (or weekly) percentage of your debit and credit card sales until the Total Repayment Amount is repaid in full. 

Unlike other types of loans, merchant cash advances don’t have typical repayment terms. Repayment periods are based on your average sales and can range anywhere from three to 18 months. The more credit card transactions you have, the sooner you will pay off your advance.  


Rates and Fees 

The rate factor rate you’ll receive will depend on your ability to repay. In addition to the rate factor, there may be some additional fees such as administrative fees or underwriting fees, which will increase the total of your Total Repayment Amount.  


We Make it Easy  

Aurora Payments can provide immediate cash for your business in 24 to 48 hours. You can apply online using this link: We will usually let you know by the end of the business day how much we can provide. You’ll have the money in the bank the following business day in most cases. 


Ready to Apply for an MCA? 

If you need quick cash, our team is ready to process your application today. Call us at 833-AURORA (833-287-6722) or email us at to get started. 


Who is Aurora? 

Aurora Payments is a network of professionals providing Merchants with reliable payment solutions for any industry and any environment. We help businesses increase efficiency and growth. Our proprietary technology provides One Ecosystem – One Contract – One Partner – One Aurora. As a Full-Service Provider (FSP), we have the all the products, services, solutions, and support Merchants need – all-in-one place. We’re an organization driven by a passion for helping our Merchants succeed. Interested in learning how you can eliminate credit card processing fees? Send us an email at or call us at 833-287-6722. You’ll be saving money in no time!