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Merchant Cash Advance, Line of Credit, SBA

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No hard credit pulls

Check your eligibility without affecting your credit score.

Fast funding

Lines of credit can fund instantly.* Term loans can

fund the same day.

Build business credit history

We report to business credit bureaus, which helps build business credit history with on-time payments.

What’s a merchant cash advance?

A merchant cash advance (MCA) — also called a business cash advance — isn't a loan. The same rules, regulations and requirements do not apply. Instead of borrowing money, you sell your future revenue. MCAs can be appealing because they provide quick funding and have more lenient qualification requirements — meaning you can get approved even with bad credit.

Red Heart capital does not offer a merchant cash advance. Instead, we offer a line of credit or a business term loan. Our products are quick and easy to apply for and you can receive the funds you need fast. Our dedicated team of loan advisors is here to help you find the best fit for you.

Before you decide which funding option is right for you, research your options to understand how a merchant cash advance works and how it compares to other forms of small business funding.

Fast, easy and reliable funding for all your business needs.


Complete the application.

Our streamlined process is designed to be completed in just minutes.

Get a decision.

Work with an expert loan advisor to choose the best option for you.

Receive your funds.

Sign your contract and get funds as soon as the same day.


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