Merchant Cash Advance

Fund your path forward with financing on demand.

Two men are sitting at a table, looking at a tablet and smiling. One man is wearing a blue shirt, and the other is in a white shirt. They are in a room with large windows and curtains, with outdoor greenery visible in the background.

Financing at your fingertips ready to work for you, whenever you need it. From $5K up to $500K in as little as 24 hours.

Merchant Cash Advance Built For Businesses.

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Get Approved in Hours, Not Days

When your business needs cash fast, we deliver. Apply in minutes and get approved within 24 hours. No mountains of paperwork, no long waits.

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No Collateral Required

Access working capital without risking your assets. Our unsecured Merchant Cash Advance gives you fast funding. No collateral. Just straightforward approval.

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High Approval. Low Barriers.

Over 98% of applicants get approved. No perfect credit or lengthy history required. If your business earns revenue, you’re already halfway there.

The Merchant Cash Advance Built for Small Business

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Repairs

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Inventory

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Payroll

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Cash Flow

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Minor Expenses

Use your Merchant Cash Advance to cover key expenses, seize new opportunities, and keep operations running.

Are we a good fit for your business?

If your business meets the following basic criteria, our all-digital application process will have us on the way to helping you in minutes.

Infographic showing that applying online takes 3 minutes, there are 6 products to choose from, no risk for credit score, and the Trustpilot score is 4.9 out of 5.
A table titled "Minimum Requirements" lists criteria for business eligibility, including 6 months in business, 500+ credit score, $120,000 annual revenue, location in Canada or USA, and requirements for a business bank account and corporate entity.

Apply Online, Hassle-Free

1

See if you’re eligible

In just a few clicks, check if your business is eligible to apply for a loan.

2

Apply online

We’ll ask for information about you, your business, its leadership and shareholders.

3

Sign and receive your funds

Once your application is approved, the funds will be directly deposited into your account.

Infographic showing data: over 10,000 loans funded, over $155 million capital funded, 98% approval rate, 93% satisfaction rate.

Hear From Our Clients

Trusted By Businesses Like Yours

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"Kacu made the loan process incredibly simple. I applied online, got approved within hours, and had funds in my account the next day. Customer service was top-notch!"
— Ahmed M., Small Business Owner

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"Kacu was exactly what we needed when cash flow got tight. Their flexible line of credit helped us stay on top of payroll and vendor payments during a critical time."
— Michael P., Logistics Company Founder

⭐️⭐️⭐️⭐️

"The rates were competitive and the terms were clear. I used my loan from Kacu to consolidate debt, and it’s been a total game changer."
— Laura P., Marketing Consultant

⭐️⭐️⭐️⭐️

"Kacu gave me access to funds when my bank said no. They looked at the whole picture and not just my credit score. Grateful for the opportunity!"
— Melissa G., Entrepreneur

⭐️⭐️⭐️⭐️⭐️

"As a first-time borrower, I had a lot of questions. The team at Kacu was incredibly patient and helpful. I now have a line of credit that supports my seasonal business needs."
— Andre V., Landscaping Business Owner

⭐️⭐️⭐️⭐️

"The loan process with Kacu was refreshingly straightforward. Their team explained everything clearly and never made me feel rushed or pressured."
— Jon C., Apparel Business Owner

FAQs

Common Questions. Straight Answers.

  • A Business Line of Credit gives you flexible access to capital. You draw funds as needed, repay over time, and reuse the credit line as you pay it down.

  • It’s ideal for managing cash flow, handling unexpected expenses, or purchasing inventory. If your business has regular short-term financing needs, a line of credit offers flexibility.

  • To qualify, most businesses need to show at least 6 to 12 months of operating history and a minimum annual revenue of $120,000. Credit score requirements may vary, but Kacu Lending also considers your business’s cash flow and overall health, not just your credit score.

  • Fixed repayment means you repay your draw in regular daily or weekly installments with a set repayment amount.

  • Unlike credit cards, a line of credit typically offers lower interest rates, higher limits, and more flexibility for larger business purchases.

  • A Business Term Loan provides a lump sum up front with fixed repayments over a set period. A Business Line of Credit is revolving, so you can draw funds as needed up to your limit and repay flexibly. Term loans are ideal for big investments, while lines of credit are better for ongoing or unexpected expenses.

  • You’ll typically need to provide basic business information and recent bank statements. The process is quick and 100% online.