Capital in your account — in 24 hours.
Merchant cash advances are the fastest funding option available — ideal for time-sensitive opportunities, urgent expenses, or short-term cash flow needs.
A merchant cash advance (MCA) provides immediate working capital in exchange for a percentage of future sales. It's the fastest, most accessible form of business funding — approvals in hours, funding within the same business day. Because of that speed and flexibility, MCAs are best suited for short-term needs where the cost of capital is justified by the opportunity it unlocks. Momentum helps you avoid predatory offers and structures advances that actually make sense for your business.
Highlights
24-hour funding
From application to deposit in less than one business day.
Minimal paperwork
Bank statements and basic info — no tax returns required.
Credit-friendly
Approvals based on revenue, not credit score.
Benefits
- Same-day to next-day funding
- Approval based on revenue performance
- Lower credit requirements
- Payments tied to daily sales
- Renewable as you pay down
Ideal Qualifications
- 3+ months in business
- $10K+ monthly revenue
- Daily or weekly deposit activity
- Active business bank account
Common use cases
Let's get you funded.
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