Merchant Cash Advance

If you have little or no collateral, limited business history, or a low credit rating, Merchant Cash Advances from OrangePay is a great financing option for small businesses that accept credit cards!

Quick and flexible access to capital can make all the difference for entrepreneurs and small business owners in today’s fast paced business landscape. OrangePay understands the critical role that fast access to working capital plays in your business’s success and our Merchant Cash Advance (MCA) program has been designed to meet these exact needs.

Speedy Access to Capital

MCAs offer one of the fastest ways to access working capital for your business. The application and approval process is extremely fast and can take as quick as 3 hours. We prioritize efficiency, ensuring you receive the funds you need promptly.

Flexible Repayment Structures

We offer flexible repayment options where repayments are tied to a percentage of daily credit card sales or bank deposits, making it easier to manage during lean periods. This flexibility ensures that your business’s financial health remains stable.

No Collateral Requirements

Unlike traditional loans that often require collateral, MCAs are unsecured. This means you don’t have to risk your assets to secure funding. We offer a collateral-free approach, providing financial support without the need for collateral or personal guarantees. Terms and Conditions do apply.

Credit Score Friendly

Our MCAs are accessible to businesses with varying credit profiles. Rather than solely relying on credit scores, we consider your daily credit card sales or bank deposits. This inclusive approach means that even businesses with less-than-perfect credit histories can benefit from our MCAs.


Use Funds as Needed

MCAs allow you to use the funds as you see fit for your business needs. Whether you’re looking to expand, invest in marketing, purchase inventory, or address unexpected expenses, MCAs offer the flexibility to allocate the funds where they can make the most impact.

"OrangePay's Merchant Cash Advance helped me to make much needed rennovations to my restaurant! The process was stress free and helped me get my business back on track"

Ali, 7th Street Grill

"The cash advance I got through OrangePay got me out of some tough times and turned my business around"

John, Private Business

Our commitment is to empower your business with efficient access to capital and flexible financial solutions. Join OrangePay today!


OrangePay is based in New York, the heart of the economic world, and is one of USA’s fastest growing merchant services providers. Thousands of merchants are choosing OrangePay to save them money on their processing fees! Join today!

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