Unsecured working capital · Built for business owners
Merchant Cash Advance up to $2,000,000
Unsecured working capital from $10K to $2MM for U.S. business owners. Qualify with a 550+ FICO, 4–6 months of business bank statements, and at least $10,000 in monthly revenue — no collateral, no tax returns, no waiting on a bank.
Secure, TLS-encrypted application. For MCA / short-term business financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Funding range
$10K – $2MM
Positions
1st – 6th
Cut-off
Same-day by 3 PM
Simple qualifications, real approvals
We built this program for the operators banks turn away. If you can show a few months of steady deposits and a 550+ credit score, there is very likely an offer waiting — even if you already carry an existing advance.
- Minimum 550 personal FICO score
- 4–6 months of business bank statements
- At least $10,000 in average monthly business revenue
- U.S.-based business (LLC, corp, or sole prop with EIN)
- Up to 5 NSFs across the last 3 months of statements
- Daily or weekly ACH remittance — you choose what fits cash flow
- 1st through 6th position stacking considered
Same-day funding
Submit by 3:00 PM, fund today
Complete submissions (application + last 4–6 months of business bank statements) received before 3:00 PM local time are eligible for same-day wire or ACH. Renewals often fund faster.
- 1 application, multiple offers side-by-side
- No collateral, no personal real estate pledged
- Soft-touch review — quick pricing turnaround
*Same-day funding subject to complete file, banking cut-offs, and underwriting approval.
Your application is transmitted over an encrypted (HTTPS/TLS) connection to our secure intake provider (Jotform) and shared only with underwriting staff and funding partners required to evaluate your request. We do not sell your personal information. See our Privacy Policy and Terms of Use.
Commercial-purpose financing only. All loan, line-of-credit, merchant cash advance, and real-estate products offered through The Local Loan Store, a product of Monumental Funding Solutions LLC, are for bona fide business or commercial purposes and are not consumer loans. Products are not subject to the federal Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), or Equal Credit Opportunity Act (ECOA) consumer protections. Business owners may be required to provide a personal guaranty.
Merchant cash advance / short-term working capital. A merchant cash advance is a purchase of future receivables, not a loan. Amounts, factor rates, holdback percentages, and remittance schedules are determined by underwriting and vary by business. Same-day funding is not guaranteed and depends on complete documentation, bank verification, and cut-off times. Early payoff does not necessarily reduce total repayment.
Contact authorization. By submitting an application you authorize The Local Loan Store, Monumental Funding Solutions LLC, and our funding partners to verify bank statements and business information, and to contact you by phone, SMS, and email (including autodialed or prerecorded messages) at the numbers you provide, regarding your application and related offers. Consent is not a condition of any purchase or financing. Message and data rates may apply; reply STOP to opt out of SMS.
State disclosures. Commercial financing disclosure statements required by state law (including CA SB 1235, NY Commercial Finance Disclosure Law, VA, UT, GA, FL, CT, KS, and MO) will be provided in writing with any specific offer prior to consummation, where applicable. We do not currently accept applications for property or businesses located in California, Oregon, Idaho, Nevada, Utah, Minnesota, South Dakota, Michigan, New Jersey, or Virginia. Programs, availability, and terms are subject to change without notice and may not be available in every state.
© 2026 Monumental Funding Solutions LLC. The Local Loan Store is a d/b/a of Monumental Funding Solutions LLC. Equal commercial opportunity provider.
Why business owners choose MCA
Working capital that actually works for small business
A merchant cash advance is one of the fastest, most flexible ways to put cash into your business without pledging property or waiting on a bank committee. Here is why our clients keep coming back.
Approvals in hours, funding in a day
Skip the 30-day bank underwriting cycle. Most operators get real offers the same day they apply and cash in-account within 24 hours.
No collateral required
Unsecured working capital — no lien on your home, real estate, or equipment. Advance is repaid from future business revenue.
Credit-friendly (550+ FICO)
Approvals driven by your business bank deposits, not just your credit score. Soft-pull to price — no hard hit to shop offers.
Payments that match cash flow
Daily or weekly ACH remittance sized to your revenue, so slow weeks don't sink you. Renewals available as you pay down.
Use funds for anything
Payroll, inventory, marketing, equipment, tax bills, or a growth push — spend the capital wherever it moves the needle.
Human broker, not a portal
One application, shopped across our full funder shelf. A real advisor negotiates term, holdback, and pricing for you.
What operators use MCA capital for
Merchant cash advance funding is flexible — spend it on whatever keeps the business moving. Here are the deployments we see most.
Payroll & hiring
Bridge payroll gaps or fund a new hire without pulling from operating cash.
Inventory & PO financing
Buy stock ahead of a season, or fulfill a big purchase order that just landed.
Equipment & repairs
Replace a failed unit, add a truck, or upgrade a line without waiting on a bank.
Marketing & expansion
Fund a campaign, open a second location, or take on a new service line quickly.
Tax bills & short-term gaps
Handle a surprise tax or vendor bill and pay it back as revenue comes in.
Consolidation
Pay off higher-cost stacks with a cleaner structure and one predictable remittance.
Expanded 2026 coverage
Bigger appetite in Texas and California
We've expanded funding limits, position tolerance, and industry appetite across Texas and California for 2026 — with Fort Worth-based service and underwriters who know your market.