Need funding fast? A merchant cash advance in Philadelphia gives you quick access to working capital—no collateral, no delays, and no hoops to jump through.
Merchant cash advances in Philadelphia that work for you
Apply today. Fund tomorrow.
The online form takes minutes. Approvals can happen in just a few hours. Money could hit your account in as fast as 4 hours.
Spend it where it matters most
Pay staff, replace broken equipment, launch a new campaign, or prep for your busy season. You decide.
Remittances that flex with sales
Your remittances shift with your daily revenue, so you’re never stuck with a fixed number during slower periods.
Request a quote
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
Click “Get Started” to apply for financing.
We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.
Your loan application will be reviewed and you can get approved in as fast as 2 hours.
If approved, your requested financing can be transferred to your bank account as soon as the same business day.
What our customers say about our merchant cash advance services in Philadelphia
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
Still looking for the right fit? Check out all of Credibly's business financing options.
Credibly | Bank Loans | Credit Cards | SBA Loans | |
|---|---|---|---|---|
Funding Range | $5K-$600K | $100K | Credit dependent | Credit dependent |
Process | Pre-qualify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk | Prequalify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk |
Approval Time | Approval in as fast as 2 hours | Weeks-Months | Less than 30 Days | Months |
Time to Funding | as fast as 4 hours | 2-3 Months | 7-10 Business days | 60-90+ Days |
Approval Criterias | Overall business health | Credit score and collateral | Credit score | Credit score and collateral |
Can MCAs in Philadelphia be used to grow your business smartly?
Yes, MCAs in Philadelphia can help fund strategic growth when applied wisely.
Fast access to working capital lets you seize seasonal inventory deals, run marketing campaigns, or hire temporary staff to capture revenue spikes .
If your cash flow is seasonal or tied to short-term opportunities, the flexible, sales-based remittance matched with fast funding supports quick ROI.
However, because fees can be high, you should use MCAs only when expected sales growth exceeds the cost.
What are the pros and cons of merchant cash advances in Philadelphia compared to business loans?
Merchant cash advances in Philadelphia offer several advantages compared to traditional business loans. Providers require less paperwork and can approve funding quickly, with remittances tied to your sales. This flexibility helps businesses with seasonal revenue or inconsistent cash flow.
However, MCAs carry some downsides. Daily or weekly remittances can strain budgets, so review your cash flow and weigh the benefits against potential costs carefully.
How do MCAs in Philadelphia affect cash‑flow planning?
MCAs in Philadelphia pull a portion of sales daily or weekly, based on holdback terms. On busy days, remittances can swell; on slow days, it can shrink.
This variable deduction can make budgeting unpredictable, especially for payroll or rent.
Understanding your business revenue rhythms and factoring in peak and slow months is critical. A clear cash‑flow plan helps you know how much cushion you need to absorb remittance fluctuations.
How do MCA fees in Philadelphia compare to business loans?
MCA fees in Philadelphia typically exceed the cost of bank or online loans due to their flexibility.
Although MCAs offer rapid approval and flexible remittance tied to sales, the fees can mean they should be a short‑term tool only.
Always compare the costs with other options before choosing. Understanding this helps you avoid high financing costs that reduce profitability.
How can I qualify for a merchant cash advance in Philadelphia?
To qualify for an MCA in Philadelphia, you typically need consistent monthly credit/debit card sales, over six months in business and $15,000+ a month in revenue. You will also need to have at least 3 months of business bank statements to apply.
Providers look more at daily card transaction volume than high credit scores.
Even if your credit score is below 600, approval is possible for many businesses. Some providers also consider total revenue and bank deposits.
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*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
