What is a Merchant Cash Advance?

In short, a Merchant Cash Advance is when Thor Capital Group provides you with a lump sum of financing in exchange for a percentage of your business’s future sales at an agreed rate. That means you will receive the funding you need now, and we’ll receive a percentage of your sales until the amount of sales we have purchased has been received.

Our Funding Specialists will work together with you to create a deal that will help you jumpstart your business without maxing out your cash flow. Business owners averaging a minimum of $10,000 per month in sales over the last three months typically qualify for an MCA equal to 70-110% in funding for their business. We fund anywhere from $10,000 to 1 Million in 24-48 hours.

Merchant Cash Advance Funding by Thor Capital Group

Merchant Cash Advance is Ideal for:

  • Businesses looking to grow without the hassle of a drawn-out application process at a traditional lender like a bank
  • Businesses investing in new marketing strategies to fuel growth and drive revenue
  • Businesses planning an expansion or hoping to capitalize on a new opportunity
  • Businesses requiring new or additional inventory for an upcoming promotion, the holiday season, or other large volume advance purchases
  • Businesses needing fast capital in 24 hours

Who Can Benefit from Merchant Cash Advances?

  • cutlery-1

    Restaurant Industry

    Fast food, casual dining, fine dining, coffee shops, & more.

  • crane

    Construction Companies

    Contractors, electricians, plumbers, specialty tradespeople, & more.

  • healthcare

    Medical Practices

    Surgeons, psychiatrists, dermatologists, veterinarians, and all specialties.

  • shopping-cart


    Convenience stores, salons & spas, clothing stores, specialty stores, & more.

  • conveyor


    Metal manufacturing & machinery, food production, electronics, & more.

  • customer-service

    Business Services

    Advertising, maintenance, equipment rental, computer programming, & more.

Merchant cash advances can also benefit dental practices, attorneys, dry cleaners, gas stations, pharmacies, and many many more. No matter what industry you operate in, our expert Funding Specialists will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

How Merchant Cash Advances Work


You’ll need three months of business bank statements and other financial records. For faster approval, grant us secure access to your bank account’s transactional data


A Funding Specialist will reach out to you within 1 hour (during regular business hours) to complete your application and discuss your business funding options


Once you and your Funding Specialist determine what funding option works for your business, your funds can be approved and deposited within 24 hours


You’ll need three months of business bank statements and other financial records. For faster approval, grant us secure access to your bank account’s transactional data


Will Your Business Qualify?

Approval for business funding from Thor Capital Group isn’t based on your credit score alone. Instead, we focus on the overall health of your business. Here are some factors we consider:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Why Get Funded by Thor Capital Group?

Opportunities to expand or take on new projects come and go quickly and applying for funding from a traditional lender like a bank, can take months with no guarantee of approval. With Thor Capital Group’s faster, streamlined application process, we can approve your company loan in as little as 24 hours. Our application requirements are lower than traditional lenders, but we always have your best interest at heart. We are proud to provide responsible business funding—we will never over-leverage your business by giving you more capital than you can manage, and our Funding Specialists will be with you every step of the way.

Business Funding Q&A

Q: What type of business qualifies for a merchant cash advance?

A: Any business that accepts credit and debit card payments may benefit from a merchant cash advance, regardless of industry. Our team of knowledgeable Funding Specialists will work with you to assess your eligibility.

Q: What is the interest rate on a merchant cash advance?

A: A merchant cash advance does not have an interest rate because it is not technically a loan. An MCA is an advance against future sales. The cost of the advance is called a “factor rate”, and it varies based on each business.

Q: How do I qualify for a merchant cash advance?

A: Every business is unique. It’s always best to speak with one of our Funding Specialists to review your circumstances and assess your eligibility. In general, we look for consistent revenue with minimum monthly receipts of $7,500 or more, and 6+ months in business. We know that credit scores don’t tell the whole story, so we also consider the overall growth potential of your business.

Why should I consider an alternative lender for my business?

A: Most traditional banks consider construction companies high-risk and will not fund them. As an alternative lender, we have different approval requirements, and can approve funding for “high risk” industries. We can provide you with the funds you need to cover project expenses, labor, materials and more, often in less than 24 hours.