Merchant Cash Advance

First Class Advance offers working capital to small and medium size businesses in the form of a merchant cash advance. A merchant cash advance or MCA is often referred to as a credit card sales loan or a merchant loan, however, it is in fact not a loan but a purchase and sale of future credit card sales.

What is a Merchant Cash Advance?

A merchant cash advance is a convenient and swift way to get your business the working capital it needs. By purchasing a future portion of your credit card sales, a merchant cash advance provider will provide your business with an upfront, lump sum of cash. The process is designed to get you the funds your business needs with ease and speed in mind; a merchant cash advance is typically repaid in less than 18 months. With an agreed upon small percentage that works with the flow of your business, payback is just as simple.

Why Choose Us?

Here at First Class Advance, we are committed to funding businesses through a streamlined and stress-free process. We offer higher approval rates compared to other lenders, and with our fast funding comes easy renewal terms. Thanks to the streamlined application process with minimal paperwork and flexible terms, improving your business’s cash flow is easier than ever before. By setting affordable and fair terms, we can get your business the working capital it needs; find out more by clicking here.

Get Started Now!

Want to find out just how much money your business qualifies for? Just fill out this short form and one of our lending specialists will follow up with you directly. Feel like chatting person to person? Give us a call at 800-652-9754. We look forward to the opportunity to fund you!

Fast And Flexible Small Business Solutions

Traditional small business loans are not always the right fit. Banks may require lengthy applications and documentation, stipulate how money must be spent, or deny applications based on FICO criteria or asset collateralization requirements. Our flexible small business loan program is perfect for businesses that are looking for something more than a traditional loan. We get you the capital you need with minimal paperwork, no asset collateral and a decision within 48hrs.

Advantages Of The Small Business Loan Program

· Financing is calculated from gross sales and business cash flow. · Repayment is structured based on your historic cash flow. · Fixed automated repayment allows for simple repayment and cash flow management. · Not collateralized against fixed assets. · Allows you to maximize available capital while protecting your margins and cash flow.

Businesses Seek This Form of Capital for a Variety of Reasons

· Growing their business, purchasing new equipment, and restocking inventory. · Paying off existing debt and improving their credit. · Cushioning against seasonal or slow periods. · Expand or renovate an existing location or purchase additional locations. · Enhance marketing to acquire new customers.

Benefits of Using First Class Advance

· A streamlined application process with minimal paperwork. · Fair and affordable repayment terms and fees. · Assessment of factors such as historical cash flow to business performance to support approval for a loan. · Higher approval rates than bank loans. · Easy renewal terms. · Improved pricing. · Immediate funding. · Little to no paperwork. First Class Advance has provided over $600 million in working capital to tens of thousands of small businesses nationwide. Over 85% of our eligible clients renew. This is due to the simplicity and speed of our process as well as the the outstanding customer service and support we provide during and after you access your funds.


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Accept ALL major Credit and Debit Cards

Give your customers the flexibility they want. Our terminals accept all major credit and debit cards, including: Visa, MasterCard, American Express, Discover, Star and TeleCheck, among others.

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Simple Pricing, No Hidden Charges

Simple rates and straightforward pricing means no stress or surprises at the end of the month. Talk to a representative today to find out more about putting our affordable solutions to work for you.

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Get a $600 Credit Card Machine for FREE!

Get a credit card terminal (a $600 value) for FREE! Whether you have a retail, e-commerce or mobile business, our credit card terminal is the perfect solution to keep your company moving forward.

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Apply Today, Start Swiping Cards Tomorrow!

With our fast turnaround on applications, you can be set up and accepting credit cards in just 24 hours. Our approval rate is 98%, even if you have less-than-perfect credit.

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No Contract. No Cancellation Fee. Period.

Forget about locked-in contracts and hefty fees. We offer packages that allow you to change providers at any time. No penalty, no cancellation fees, no risk.

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Join Our 90,000+ Satisfied Clients

Business owners love the ease and practicality of our system. Whether you are just starting in credit card sales or need to switch providers, call our experience professionals to get started today!


Apply for your cash advance today!

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First Class Advance Phone: (718) 502-6202 Fax: (888) 363-3659 E-mail:

Financial solutions to grow your businesses

First Class Advance proudly offers alternative financing solutions for small business owners, including small business loans and merchant cash advances.

Address: 1944 Coney Island Ave. 3rd Fl Brooklyn, NY 11223
Phone: 800.652.9754
Phone: 718.502.6202
Fax: 888.363.3659



Terms & Conditions

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.

For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to First Class Advance. (“FCA”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify FCA of any change in such information or financial condition, (3) Applicant authorizes FCA to disclose all information and documents that FCA may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) FCA, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.

For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, and e-mails sent by First Class Advance and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to First Class Advance, 1944 Coney Island Ave. , 3rd Fl, Brooklyn, New York 11223. Funding amount and credit approval is subject to a full credit profile review.