Merchant Cash Advance Overview
LoanPao’s Merchant Cash Advance (MCA) in India 2025 provides small businesses, retailers, and merchants with quick access to funds up to ₹50 lakh. Unlike traditional loans, repayments are flexible, based on a percentage of daily or monthly sales (typically 5%–20%), making it ideal for businesses with fluctuating revenue. With LoanPao’s network of 500+ RBI-compliant lenders, approvals are processed within 24–48 hours through a digital process. MCAs are unsecured, requiring no collateral, and are perfect for working capital needs. For other financing options, explore our Business Loan or MSME Loan pages.
Apply below or use our EMI Calculator to estimate cash flow impacts. Contact us at +91-971-769-5334 for support.
Benefits of Merchant Cash Advance
Fast Approvals
Funds within 24–48 hours.
High Funding
Up to ₹50 lakh for business needs.
Flexible Repayments
Tied to daily or monthly sales.
No Collateral
Unsecured funding with no asset pledging.
Digital Process
Online application with e-KYC.
Trusted Lenders
500+ RBI-compliant banks and NBFCs.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Applicant Type | Small businesses, retailers, merchants |
| Business Turnover | Minimum ₹10 lakh p.a. |
| Business Vintage | At least 1 year |
| Payment Sales | Consistent card or digital payments (POS/UPI) |
| Funding Amount | ₹1 lakh–₹50 lakh |
| CIBIL Score | 600+ (optional for some lenders) |
Check your eligibility with our CIBIL login tool or contact info@loanpao.in.
Documents Required
- KYC: Aadhaar, PAN, voter ID
- Business Proof: GST registration, shop license
- Financials: Bank statements (6 months)
- Payment Records: POS or UPI transaction history
- ITR: Last 1 year (if applicable)
How to Apply for Merchant Cash Advance
Apply with LoanPao in 3 simple steps:
- Fill the form below with business and sales details.
- Upload KYC, financials, and payment records via e-KYC.
- Get funds within 24–48 hours after approval.
Start your application or call +91-971-769-5334 for assistance.
Compare Merchant Cash Advance Providers
| Provider | Factor Rate | Funding Amount | Repayment Term | Processing Fee |
|---|---|---|---|---|
| FlexiLoans | 1.2–1.4 | ₹1 lakh–₹30 lakh | 6–18 months | 1–2% |
| Lendingkart | 1.15–1.35 | ₹50,000–₹25 lakh | 3–12 months | 1.5–2% |
| Indifi | 1.2–1.5 | ₹1 lakh–₹50 lakh | 6–24 months | 1–3% |
Note: Factor rates translate to an effective APR of 15%–40%. Terms are indicative and subject to change. Contact LoanPao for updated offers (July 2025).
Uses of Merchant Cash Advance
Merchant Cash Advances can be used for:
- Working Capital: Manage daily business expenses.
- Inventory Purchase: Restock products or raw materials.
- Equipment Upgrades: Buy or repair business equipment.
- Marketing: Fund promotional campaigns or ads.
- Debt Repayment: Clear high-interest dues.
Why Choose LoanPao for Merchant Cash Advance?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
EMI Calculator
Use our EMI calculator to plan cash flow.
24/7 Support
Contact us at +91-971-769-5334 or info@loanpao.in.
Tips for a Successful Merchant Cash Advance Application
- Provide accurate POS or UPI transaction records to demonstrate sales.
- Maintain consistent daily or monthly sales for better terms.
- Ensure a CIBIL score of 600+ for lower factor rates.
- Choose a repayment percentage that aligns with cash flow.
- Use our EMI Calculator to estimate repayment impact.