Grow Your BUSINESS On Your Own Terms

Small Business Financing Made Simple. Apply In Minutes.

Funding options built to work for you

Enjoy the benefits of working directly with Lux Funding. No matter your goal, our in-house loan advisors can help you choose a financing solution — no middleman or delays.

Purchase inventory
Cover payroll
Expand or renovate
Launch marketing campaigns
Stabilize cash flow
Upgrade equipment
Hire more employees
Consolidate business debt

5k +

Total Customers

173 +

Total Customers

4.8 /5 USER RATINGS

User Ratings

215 k $

Total Funding

Business Capital Funding

Benefits of Merchant Cash Advance with Lux Funding

Rapid Access to Funds

Merchant Cash Advance provides fast access to cash, often within a few days, making them ideal for businesses with urgent financial needs.

No Equity Dilution

Merchant Cash Advance does not require business owners to give up equity in company, allowing them to retain full ownership.

Simple Application Process

The application process for Merchant Cash Advance is often straightforward, involving minimal paperwork and quick approval decisions.

Discover the fastest and easiest alternative for business financing

Traditional financing can’t match the speed, complexity or potential of modern businesses. We can. Apply in minutes and get funded in as little as 24 hours.

Pay-as-you-grow finance:

Grow your way,

at your own pace

Get one-off or continual financing, with payback rates based on your growth.
Get the money you need, with no dilution, and no restrictive terms.
Powered by finance products built for digital-first businesses like yours.

Why work with LUX FUNDING

Hassle Free Payments

Unlike traditional loans with fixed monthly payments, repayment of a Merchant Cash Advance is based on a percentage of the business’s daily credit card sales.

Superfast Approvals

Businesses can typically get approved for funding within a few days or even hours, allowing them to address immediate financial needs without lengthy delays.

Top MCA Provider

If approved, our team will send your funds to the business bank account provided.

Unmatched efficiency: Apply in minutes, funds delivered next day

Fill out an application in minutes, get a decision fast, and money in your bank account. No personal credit check. No upfront fees. Just money to use as you please.

Trusted by Professionals

Lux Funding exceeded my expectations in every way. Their flexible financing options allowed me to navigate through a slow season with ease. The application process was straightforward, and I received funding much faster than I anticipated. Lux Funding is definitely my go-to for financial solutions.” Edward P.- Businessman

Frequently Asked Questions

What is a Merchant Cash Advance (MCA), and how does it work?

An MCA is a form of business financing where a provider advances you a lump sum of capital in exchange for a portion of your future credit card sales or daily bank deposits. You repay the advance, plus a predetermined fee, through a percentage of your daily sales until the total amount is settled.

How is the amount of the MCA determined for my business?

The MCA amount is typically based on your average daily credit card sales or bank deposits. Lenders assess your recent transaction history to determine the advance amount they are willing to offer, often ranging from a few thousand to several hundred thousand dollars.

What are the key differences between an MCA and a traditional business loan?

Unlike traditional loans, MCAs do not involve fixed monthly payments or interest rates. Instead, they rely on daily sales deductions. Traditional loans have longer terms, while MCAs have shorter repayment periods and higher costs due to factor rates.

Ready to Get Started?

Take the first step toward securing the funds you need with a simple, stress-free application process. Whether you’re looking to grow your business, consolidate debt, or cover unexpected expenses, our flexible lending options are designed to fit your goals. Apply today and let our team of experts guide you every step of the way.