Fast, Sales-Driven Capital for Busy Retail, Hospitality, and Main Street Businesses.
When an unexpected emergency hits your business or an inventory opportunity presents itself, you cannot wait months for credit review. Trifecta Business Group connects consumer-facing companies with flexible Merchant Cash Advances. By securing an advance against your future debit and credit card receipts, you get rapid capital with an automatic repayment schedule that naturally breathes with your daily sales volume.
Approval decisions in hours Repayments match your daily sales Minimal paperwork
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
A Simple Advance Built to Flex with Your Actual Daily Revenue
If your business experiences busy weekends and quiet Mondays, your loan payment shouldn't be a rigid, stressful flat fee. An MCA structure ensures your cash flow remains highly protected because the payback mechanics automatically map to your daily transaction traffic.
Merchant Cash Advance
Built for retail, hospitality, and consumer-facing businesses with steady card sales.
- Rapid Processing Speed
- Capital is frequently cleared and wired to your operating account in as little as 24 to 48 hours from your initial inquiry.
- Adaptive Security
- On slow sales days, your repayment amount automatically drops. On high-volume days, you pay back faster.
- No Rigid Collateral
- Secured strictly by your business's future transaction volume—no physical equipment or property liens required.
Merchant Cash Advance (MCA) Payback Estimator
Estimate your total payback amount and project your flexible daily collection parameters instantly. Adjust your funding amount, factor rate, monthly card sales, and holdback percentage to see your payback update in real time.
Deal Parameters
Enter your desired funding amount, factor rate, monthly card sales, and daily holdback percentage.
Standard MCA factor rates typically range from 1.15 to 1.45.
Percentage of daily merchant processing revenue routed to payback.
*MCA products possess no set calendar term limits. Payback speeds shift dynamically alongside your real daily deposit volumes.
Outside Fort Wayne, IN · Medical staffing · 6 years in business · (names changed for privacy)
The situation. The owner had $340,000 sitting in receivables and could not cover Friday payroll. His agency places nurses and surgical techs into three regional hospital systems; his people get paid every Friday, his hospitals pay in sixty days. A new contract meant hiring nineteen people before a single hour of it could be billed — and his bank turned him down before he could explain who his customers were, because his credit still carries a personally guaranteed line from a business that closed.
What we did.
- Read six years of operating history and invoices billed to hospital systems that pay slowly and pay every time.
- Ruled out a line of credit — it was out on his credit score.
- Ruled out a term loan — one lump sum for a problem that returns every sixty days.
- Advanced roughly $280,000 against invoices already issued. The invoice is the asset, so the credit underwritten is the hospital's — no minimum personal credit score, no personal guarantee.
The outcome. He made payroll that Friday and kept all nineteen hires.
Invoice Factoring
- Amount placed
- ~$280,000 first advance
- Timeline
- First advance in 3 days; later advances within 24 hours
Greenville, SC · Salon & spa · 11 years in business · 22 stations and treatment rooms · (names changed for privacy)
The situation. A spa build-out ran long and ran over, so the owner took an advance in April to finish it rather than let the rooms sit empty through summer. July was slow the way July is always slow, and the advance did not care — so she took a second one to cover the first. By August three advances were debiting her account, two of them daily: roughly $2,400 leaving the business every business day before she opened the doors or sold a single service. She had stopped paying herself in June and started stretching product orders until her stylists noticed the empty shelves.
What we did.
- Pulled four months of bank statements, added up every debit, subtracted it from deposits, and looked at what was actually left to run a business on. It was not enough to reorder color.
- Ruled out a term loan — a new fixed payment would have landed on top of three existing ones, and her days would have looked identical until the advances retired on their own.
- Ruled out a line of credit — a line is built for a gap that opens and closes on its own schedule; she had three fixed obligations that would keep pulling until they were paid off.
- Consolidated instead: paid off all three advances and replaced them with one structure built around how a salon actually earns — weekly and unevenly, not the same amount every business day.
The outcome. Three daily and weekly debits became one payment she could plan around. She reordered products the same week and paid herself in September for the first time since spring.
MCA Consolidation
- Amount placed
- Three advances retired, one payment
- Timeline
- Funded within 48 hours of approval
MCA Daily Repayment Estimator
A merchant cash advance repays as a small percentage of your daily sales, so payments flex with your volume. See what the daily remittance looks like and roughly how long payback takes.
Your Sales & Advance
Holdbacks commonly run 8% to 15% of daily card or bank sales. Factor rates commonly run 1.2 to 1.5.
The factor rate is total cost, not an interest rate — a 1.35 factor means you repay $1.35 for every dollar advanced. Slower sales stretch the payback period rather than raising the daily amount.
Estimate for planning purposes only. Actual holdback, factor rate, and term are set by the funding partner in underwriting.
What this calculator works out
This merchant cash advance calculator converts an advance amount, factor rate, and daily holdback percentage into total payback, estimated daily remittance, and how long repayment takes based on your card and deposit volume.
Base Qualifications for Rapid Approvals
Because an MCA prioritizes your credit card batching and transactional consistency over high personal credit scores, the baseline requirements are highly accessible.
Time in Business
4–6+ months of continuous operations.
Monthly Processing Volume
$10,000+ in monthly credit/debit card transactions or gross sales deposit structures.
Underwriting Documents
3–4 months of recent merchant processing or business bank statements.
Credit Flexibility
Highly accommodating to historical credit blemishes, provided the business maintains steady sales flow.
Questions, Answered
Yes! MCAs are designed around the health of your daily revenue and card sales, not your credit score. If your business has consistent, stable daily sales, you have an incredibly high chance of approval.
Repayments are completely automated. They are pulled as a tiny, pre-agreed percentage of your daily credit card credit batches or through a standard bank ACH, meaning you never have to worry about missing a manual due date.
Apply for an MCA Advance Today
Minimal paperwork, decisions in hours, and repayments that rise and fall with your daily sales.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015