$10K to $500K. Funded in 24 hours.

Business Cash Advance

Daily revenue, daily repayment, no fixed schedule.

A business cash advance provides a lump sum of capital in exchange for a percentage of your future daily card sales. Repayment flexes with your revenue, when sales are strong you pay more per day, when they're soft you pay less.

Check my options How BCA works

Range: $500K
Terms: 3–12 months
Speed: 24–48 hours
Min FICO: 500+

The short answer

How does daily-revenue repayment work, and who qualifies?

Range: $500K
Terms: 3–12 months
Speed: 24–48 hours
Min FICO: 500+
Min revenue: $10K/mo card volume

Last updated 2026-06-24

How it works

One application, three honest steps.

The same process powers every ICG product. BCA adds nothing extra. See the full walkthrough →

Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against bca criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.

Who it’s for

Built for businesses that fit bca.

If these four lines describe your business, you very likely qualify.

Eligibility snapshot

Time in business: 6 months or more
Monthly revenue: $10K/mo card volume
Personal credit: 500+
Funding speed: 24–48 hours

See full qualifications

Common use cases

Card-Heavy Retail & Restaurants
Businesses with high card-processing volume but seasonal revenue swings benefit from payments that flex with sales.
Emergency Working Capital
Fastest funding path for card-processing-centric operators with imperfect credit.
Short-Term Bridge
Cover a specific 3–6 month capital need with repayment tied to revenue performance.

Compare

BCA sits next to four other products.

One application routes you to the product that actually fits. Full side-by-side comparison →

Product	Range	Speed	Best for
BCAYou are here	$500K	24–48 hours	Card-Heavy Retail & Restaurants
Revenue Funding	$500K	24 hours	Emergency Payroll
Term Loans	$500K	24–48 hours	Business Expansion
Line of Credit	$250K	24 hours	Seasonal Cash Flow
Bridge Capital	$500K	24 hours	Real Estate Deposits
SBA Loans	$5M	30–60 days	Business Acquisition

Revenue Funding Term Loans Line of Credit Bridge Capital SBA Loans

FAQs about BCA

The questions we hear most.

How is a BCA different from a loan?

A BCA is legally a purchase of future receivables, not a loan. There is no APR, only a fixed factor rate and a total repayment amount that is disclosed upfront.

What happens if my card sales drop?

Your daily remittance is a fixed percentage of card sales, so the dollar amount moves with your revenue. The total repayment amount doesn't change, just the time to satisfy it.

Can I switch card processors?

Any change to your merchant processor must be coordinated with ICG in advance. Un-notified switches can trigger default under the funding agreement.

Is a BCA right for me?

BCAs are best for card-heavy businesses (restaurants, retail) with shorter capital needs (under 12 months). For longer-term or lower-cost capital, a term loan or revenue-based funding may fit better.

By state

Available in every state we fund.

Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for bca.

Ready when you are

Apply for BCA. Get an answer today.

Three minutes. Soft credit pull. One ICG team from application to wire.

Apply for BCA Or call (646) 813-4633