What is a Merchant Cash Advance? A Merchant Cash Advance is a lump-sum payment provided to a business by a lender or MCA provider. In return, the provider receives a fixed percentage of the business’s daily card-based sales (or daily bank deposits) until the advance, plus a predetermined fee (called a factor rate), is fully repaid. https://auric-org.org/Bfsi21/Finance/wiki/Merchant-Cash-Advance-%28MCA%29%3A-Flexible-Financing-for-Small-Businesses