A Merchant Cash Advance (MCA) is not actually a loan. It is an advance on the future revenues and/or credit card sales of the business. The “loan” or advance allows a business owner who accepts credit and debit card payments to obtain an advance on the funds they receive each day. The funds that flow through their merchant account can be used to leverage the advance. Key Commercial Capital determines the amount a merchant can be advanced based on a number of factors including: monthly revenue, the number of monthly deposits (typically a minimum of 8 monthly deposits is required) and the credit score of the merchant. The advance is paid back by either a daily or weekly debit from the merchant account of the business.