If you’re a small business owner looking for quick access to capital without the hurdles of traditional loans, a Merchant Cash Advance (MCA) might be the solution you’ve been searching for.

So, What Is a Merchant Cash Advance? A merchant cash advance is a financing option that gives businesses access to a lump sum of working capital in exchange for a percentage of their future daily credit/debit card sales. Unlike traditional loans, there’s no fixed repayment schedule and no interest rates – just a flexible solution that grows with your revenue.

How Does It Work? With an MCA, the advance is repaid automatically through a percentage of your daily sales. If your sales are high one day, you repay more. If they’re low, you repay less. This repayment model makes it ideal for seasonal or variable revenue businesses.

Key Features:

• Quick approvals (often within 24 hours)
• No collateral required
• Payments tied to your revenue
• Easy qualification compared to traditional loans

Why Choose an MCA Over a Loan?

Traditional loans can take weeks to process and often require strong credit, extensive paperwork and fixed monthly payments. An MCA is faster, simpler and more adaptive to the rhythm of your business.

Is It Right for You?

Merchant cash advances are perfect for:

• Restaurants, salons and retailers with strong card sales
• Businesses looking to buy inventory, upgrade equipment or expand
• Owners who need fast cash and can’t wait for traditional funding

Introducing Cygnus Capital

Cygnus Capital powered by Finova is the new cash advance program by Cygnus Payments, designed specifically for businesses that need flexible funding without red tape. Whether you’re a Compass POS user powered by AI or a new merchant just getting started, Capital is built to support everyone – fast, flexible and ready when you are.

Ready to Learn More?

Visit cygnuspay.com/cygnus-capital to discover how Cygnus Capital powered by Finova, can power your next move.