Credit Programs
Merchant Cash Advance
Power your MCA business with flexible repayment structures, automated collections, and real-time portfolio visibility.
Purpose-built for MCA lending
Comprehensive tools designed specifically for merchant cash advance operations.
Flexible Remittance
Support daily, weekly, or split-percentage remittance structures based on merchant sales.
Revenue-Based Repayment
Automatic calculation and collection of percentage-based repayments from card sales.
Fast Funding
Streamlined underwriting and funding workflows for same-day or next-day merchant funding.
Factor Rate Management
Configure factor rates, holdback percentages, and payback amounts with real-time tracking.
Performance Analytics
Track merchant performance, collection rates, and portfolio health in real-time dashboards.
Risk Assessment
Integrated credit decisioning with bank statement analysis and sales history evaluation.
Streamlined MCA workflow
From application to payoff, manage the complete MCA lifecycle.
Application & Underwriting
Quick application with automated bank statement analysis, sales verification, and credit decisioning.
Offer & Agreement
Generate customized offers with factor rates, holdback percentages, and funding amounts.
Funding & Disbursement
Fast funding with same-day ACH or wire transfers directly to merchant accounts.
Collection & Servicing
Automated daily remittance collection with split-payment or fixed-amount structures.
$5B+
MCA volume managed
24hrs
Average funding time
98%
Collection rate
500+
MCA funders served
Seamless payment integrations
Connect with leading payment processors and merchant service providers to automate remittance collection and reconciliation.
ACH & Wire Integration
Automated daily remittance collection via ACH
Split Funding
Direct integration with merchant processors for split payments
Bank Statement Analysis
Automated parsing and analysis of merchant bank statements
Calculate your payback
Estimate your MCA repayment schedule with our interactive calculator.
MCA Payback Calculator
Calculate your merchant cash advance repayment
Payback Summary
Payback Timeline
Ready to scale your MCA business?
See how Paywallet can help you streamline operations and grow your merchant funding portfolio.