Merchant cash advances · Same-day approvals
Merchant cash advances from $10K to $5M, funded in as little as 24 hours. No collateral, approved on revenue, bad credit considered. Need longer terms? We also arrange term loans, SBA, equipment and real estate financing.
See how much capital your business qualifies for in 30 seconds.
*Estimate only. Final approval and funding terms are subject to full document review and underwriting.
MyCommercialFunding is a business funding firm in Morristown, New Jersey. We specialize in fast working capital through merchant cash advances and revenue-based financing, with same-day approvals and funding in as little as 24 hours. When a business needs more time or more capital, we also arrange term loans, SBA loans, lines of credit, equipment financing, business HELOCs, MCA refinancing and real estate investor loans.
Founded and led by Richard McKellar. Program terms as of , subject to underwriting.
Start with fast working capital. When you need more time, more money or a lower cost, the same team moves you to the next program.
Working capital in days, approved on revenue rather than credit or collateral.
Merchants with one or more advances who want lower, longer payments.
Lower-cost, longer-term money once your business qualifies.
Government-backed, long-term financing for established businesses and owner-occupied property.
Businesses with equipment, receivables or inventory to borrow against.
Investors buying, renovating, building or holding property.
Tell us your monthly revenue, credit range and what the money is for. We match one application to the right program.
Get matchedHeadline terms for our most-requested programs. Every offer is priced on your file and quoted per deal.
| Program | Amount | Term | Speed | Credit | Collateral |
|---|---|---|---|---|---|
| Merchant Cash Advance | $10K–$5M | 30 days–18 months | Same-day approval; funded in 24–48 hours | 500+ FICO considered | None |
| Revenue-Based Financing | $50K–$500K | Repaid as a share of sales | Same-day approval; funded in 24–48 hours | Revenue-based | None |
| Business Term Loans | $20K–$500K | Up to 12 years | Days | Varies | No hard collateral |
| Business Lines of Credit | Up to $500K | Up to 36 months | Days | No minimum score | Varies |
| Business HELOC | $25K–$750K | 10–30 years | As few as 5 days | 600+ | Home equity (not available in all states) |
| SBA 7(a) Loans | $150K–$5M | Up to 25 years | Weeks | 680+ | May be required |
| SBA 504 Loans | Up to $5.5M SBA portion | 10, 20 or 25 years | Weeks to months | Good credit | The property or equipment |
| Equipment Financing | Up to $2M | Matched to equipment life | Days | Varies | The equipment |
| Fix & Flip Loans | $115K–$8M | 12–18 months | Closes in 7–15 days | 620+ | The property |
| DSCR Rental Loans | Up to $3.5M | Long-term | Weeks | 640+ | The property |
Terms as of October 2026. Subject to underwriting and state availability. Real estate loans are business-purpose loans to LLCs.
If daily or weekly debits are squeezing your cash flow, you may be able to replace one or more advances with lower monthly payments. Options include a business HELOC with a 10 to 30 year term, a term loan, or a single consolidation advance.
A short form and your last few months of bank statements. No hard credit pull to see options.
Underwriters review your revenue and deposits, not just your FICO score, and you get a decision the same day.
Sign electronically and funds arrive by ACH, often within 24 hours.
One application is matched against every program: fast funding, loans and credit, equipment, business HELOC, refinance and real estate.
Secure application. Your data is protected by 256-bit SSL encryption.
Underwriting that understands how your industry earns, from seasonal restaurants to contractors waiting on draws.
$115K to $8M for investors who buy, renovate, build and hold. Business-purpose loans to LLCs, closing in 7 to 15 days in 40 states plus DC.
Join over 10,000 businesses across the country that have scaled with MCF capital.
"MCF has been my go-to funding source and payment processor for 10 years. They come through when I need the money for inventory or to cover my slow season."
Joe L.
Publick House - Chester, NJ
"What was I supposed to do when Chase pulled my line of credit after 30 years? MCF has been a staple of my business ever since, providing the capital that I need in mere hours"
Phillip S.
The Square Yard - Summit, NJ
"Rich has always been decent to me and has come through when I have needed MCF. I have seen what other companies do and I am glad I found MCF. Never paying the broker's 'success fee' again!"
David K.
Restaurant Owner, NY
Which funding fits your situation, from MCAs to SBA loans.
How to choose based on your timeline and credit.
Cost, speed and repayment compared.
Options for owners with credit under 600.
How property valuation sets your loan amount.
Fast capital for food service businesses.
A merchant cash advance is upfront working capital in exchange for a share of your future sales. It is a purchase of future receivables, not a loan, so approval depends mainly on your monthly revenue rather than your credit score or collateral. Most advances are approved the same day and funded within 24 to 48 hours.
Most merchant cash advance and revenue-based financing applications get a decision the same day, with funds deposited in as little as 24 hours. Term loans and lines of credit usually take a few days, business HELOCs fund in as few as 5 days, and real estate investor loans close in 7 to 15 days.
Merchant cash advances consider FICO scores from 500 because approval is based on business revenue. Business HELOCs start at 600, real estate investor loans at 620, unsecured business loans at 680, and SBA loans generally require good credit.
Yes. Merchants with one or more advances can often replace daily or weekly debits with lower monthly payments, using a business HELOC with a 10 to 30 year term, a term loan, or a consolidation advance. The right option depends on your revenue, credit and whether you own a home or property.
A business HELOC is a home equity line of credit used to fund a business. It lets you borrow $25,000 to $750,000 against your home without refinancing your first mortgage, with 10 to 30 year terms and funding in as few as 5 days. It is not available in every state, including New Jersey.
Yes. We arrange fix-and-flip, bridge, ground-up construction, multifamily and DSCR rental loans from $115,000 to $8 million. They close in 7 to 15 days, are made to LLCs for business purposes, and are available in 40 states plus Washington, DC.
MyCommercialFunding structures and closes business funding under its own name through a network of capital partners. One application is matched to the program that fits, and you work with one point of contact from approval to funding.
Not for merchant cash advances, revenue-based financing or unsecured business loans. Equipment financing is secured by the equipment, business HELOCs by home equity, and real estate loans by the property being financed.
More answers on our FAQ page.
Give us the basics and a funding specialist will follow up with a ballpark figure.
Highest approval odds for 2026. Minimal friction.