Merchant Cash Advance in Lexington-Fayette.
Purchase of future receivables — funded fast, repaid from card sales. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- $10,000 to $500,000.
- Term
- Repaid as a percentage of daily card sales, typically 4 to 18 months.
- Best for
- Card-heavy businesses that need cash inside a week.
- Coverage
- Fayette + Bluegrass
Locally rooted
Based on Harrodsburg Road in Lexington.
Advisor-led
Real people who guide you through every option.
Wide lender network
Access to bank, SBA, and alternative funders.
Transparent process
Clear terms — no payday-style shortcuts.
The program
What merchant cash advance actually is
A merchant cash advance is a purchase of a portion of your future credit-card receivables, not a loan. Funders remit a set percentage of daily sales until the agreed amount is repaid. It is fast and available to businesses that would not qualify for a bank loan, but it is priced accordingly.
Who it fits in Lexington-Fayette
- Restaurants and bars with steady card volume
- Retailers with predictable POS revenue
- Operators declined by banks who still need bridge capital
Common uses
- Emergency repairs
- Short-window inventory buys
- Bridge until a bank or SBA closing
What lenders review
Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:
Advisor-led, not order-taker.
We only place MCAs when the math clearly works and the owner understands the true cost. When it does not, we say so and point you to a term loan or line of credit instead.
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