Merchant Cash Advance for Accounting Firms
Tax season staffing opportunity expires this week. Technology failure needs immediate fix. Partner emergency requires capital now. Banks need 30 days. MCA can put capital in your firm account within days based on your practice revenue.
How much funding do you need?
Drag the slider or type an amount
MCA for Accounting Speed
MCA is not the cheapest accounting firm financing, but it is often the fastest. When emergencies, opportunities, or staffing needs require immediate response, MCA provides capital while other options process.
Speed Priority
MCA excels when speed matters more than cost. Technology failure, staffing crunch, or opportunity requiring immediate action.
Revenue-Based Qualification
MCA evaluates bank statements and practice revenue rather than extensive documentation. Strong practices qualify despite credit challenges.
Seasonal Revenue Recognition
Providers evaluating accounting firms understand tax season concentration and can structure appropriately.
Strategic Use
MCA works best for short-term, high-value situations: emergency repairs, staffing opportunities, or bridge capital.
When Speed Trumps Cost
MCA trades higher cost for speed and accessibility when situations demand immediate capital.
Technology Emergency
Server failure. Software crash. Critical technology needs immediate repair or replacement.
Tax Season Staffing
Strong candidate available now. Need capital to make offer before they accept elsewhere.
Bank Timeline Mismatch
Bank wants 30-60 days to review. Your situation needs capital this week.
Credit Challenges
Past credit issues but strong current revenue. Banks see score. MCA sees deposits.
Partner Emergency
Partner situation requires immediate capital infusion.
Opportunity Window
Practice acquisition opportunity, client development chance, or expansion timing.
Accounting MCA Process
From application to funding in days, not weeks.
Application
Complete online application with firm information.
10 minutes
Documentation
Provide 4 months of bank statements showing revenue deposits.
Upload documents
Offer
Receive offer with advance amount, factor rate, and payment structure.
24-72 hours
Funding
Accept and receive funds deposited to your firm account.
Same or next day
Fast Capital for Accounting Emergencies
MCA provides rapid access to capital when accounting firm situations cannot wait. Technology emergencies, staffing opportunities, and time-sensitive needs get addressed in days.
Speed
Most accounting MCA applications receive decisions within 24-72 hours.
Revenue Focus
Revenue deposits matter more than credit scores. Strong practices qualify despite history.
Minimal Documentation
Bank statements and application. No tax returns typically required.
Credit Flexibility
Credit challenges offset by strong practice revenue.
Technology Emergencies
Get capital for critical repairs when operations cannot wait.
Staffing Opportunities
Fund hiring when candidates cannot wait for bank approvals.
Accounting MCA Applications
Situations where MCA speed and accessibility help accounting firms.
Technology Emergency
Server, software, or critical technology down. Need immediate repair capital.
Typical funding: $15K-$50K
Tax Season Staffing
Strong candidate available now. Make offer before they accept elsewhere.
Typical funding: $30K-$75K
Credit Challenges
Strong revenue but credit issues. Fund based on practice performance.
Typical funding: $25K-$100K
Partner Bridge
Partner situation requiring immediate capital.
Typical funding: $40K-$150K
Office Emergency
Office issue requiring immediate fix.
Typical funding: $15K-$40K
Opportunity Capture
Time-sensitive opportunity needing quick capital.
Typical funding: $25K-$100K
MCA vs. Other Accounting Financing
Understanding when MCA makes sense for your firm.
| Feature | MCA | Working Capital | Bank Loan |
|---|---|---|---|
| Speed | 24-72 hours | 3-10 days | 30-60 days |
| Documentation | Bank statements | More required | Extensive |
| Credit Requirements | Flexible | Moderate | Strong |
| Total Cost | Higher | Moderate | Lowest |
| Best For | Emergencies/speed | Planned needs | Major needs |
| Payment Structure | Daily/weekly | Monthly | Monthly |
| Revenue Value | Primary | Important | Minor factor |
| Collateral | None | Often none | Usually required |
Accounting MCA Requirements
MCA qualification focuses on revenue and practice activity.
Practice Revenue
Demonstrated revenue through bank deposits from client billings.
$20,000+ monthly
Firm History
Operating accounting firm with established client flow.
6+ months minimum
Bank Account
Firm checking with billing deposit history.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy proceedings.
No open BK
Active License
Current credentials in good standing.
Active credentials
Deposit Consistency
Consistent deposit patterns showing practice stability.
Regular deposits
MCA emphasizes revenue over credit scores. Strong practice deposits support approval regardless of credit history.
Real Results
Metro Tax Services
CPA Firm, Nevada
The Challenge
Metro's main server failed in January—right before tax season. $22,000 replacement needed immediately. Bank wanted 3 weeks for approval.
The Solution
We evaluated their $45,000 monthly revenue and approved $30,000 MCA at 1.30 factor. Funding arrived in 48 hours.
The Result
Server replaced and operational by week's end. No tax season disruption. MCA cost was fraction of potential revenue loss from extended downtime.
“Server down two weeks before tax season would have been catastrophic. MCA funded in 48 hours. We were operational before weekend.”
Accounting MCA Data
Statistics on MCA for accounting firms.
When MCA Works for Accounting
Strategic uses for fast capital.
Emergency Response
Technology failures resolved in days, not weeks.
Speed to Capital
Capital when you need it, not when banks finish processing.
Revenue Focus
Strong revenue matters more than credit history.
Simple Process
Bank statements and application. No extensive documentation.
Tax Season Ready
Fund staffing needs before candidates accept elsewhere.
Opportunity Capture
Act on time-sensitive opportunities quickly.