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Unlock a suite of benefits designed to streamline your financial operations and support your business growth effortlessly.

Merchant cash advance

Merchant cash advance

A Flexible Financing Solution Tailored to Your Business Needs

Get your loans approved within 24 hours

Merchant cash advances (MCAs) are a unique and flexible financing solution designed to help small business owners like you access working capital when it’s needed most. At 121 Brokers, we specialize in connecting businesses with customized merchant cash advance options that enable growth and sustainability.

All you need is:

Obligation Free Enquiry Form

Submit the form below and one of our expert consultants will contact you to discuss your loan options.


Meeting the Requirements for Your Unsecured Business Loan

To ensure a smooth and successful application process for an unsecured business loan, it’s essential to understand the key eligibility criteria. These factors serve as a foundation to assess your business’s financial stability and potential for growth. By meeting these requirements, you’ll be well on your way to securing the funds needed to propel your business forward. Be sure to review the eligibility factors listed on this page to determine if your business is a good fit for an unsecured loan from 121 Brokers.

Active ABN & ID document

A valid Australian Business Number (ABN) and proper identification documents are crucial for establishing your business’s legitimacy and verifying your identity. This ensures a secure and transparent application process.

Minimum of 6 months trading

A trading history of at least 6 months demonstrates your business’s ability to generate revenue and maintain operations. This minimum requirement helps us assess the stability and potential growth of your company.

Minimum $5,000 monthly turnover

A valid Australian Business Number (ABN) and proper identification documents are crucial for establishing your business’s legitimacy and verifying your identity. This ensures a secure and transparent application process.

6 months bank statement

Providing a 6-month bank statement enables us to thoroughly evaluate your business’s financial health. This documentation offers insights into your income, expenses, and overall financial management, helping us determine the most suitable loan terms for your needs.

What is a Merchant Cash Advance?

A merchant cash advance is a type of financing where a business receives an upfront sum of money in exchange for a portion of its future credit or debit card sales. This funding option is repaid through a percentage of daily card transactions, making it a flexible solution that adapts to your business’s fluctuating sales volume.

Ready to elevate your business with tailored financial solutions?

Unlock a suite of benefits designed to streamline your financial operations and support your business growth effortlessly.

Benefits of Merchant Cash Advances

Merchant Cash Advances with 121 Brokers

Quick Access to Funds

Merchant cash advances provide businesses with fast access to working capital, typically within a few business days.

Streamlined Application Process

The application process for a merchant cash advance is typically simpler and faster than traditional loans, requiring less documentation.

No Fixed Payment Schedule

With no fixed payment schedule, MCAs offer a level of flexibility that can be particularly beneficial for seasonal businesses or those with fluctuating cash flow.

No Collateral Required

MCAs are based on your business’s future sales, eliminating the need for traditional collateral.

Secure Your Business Loan in Just 3 Simple Steps

At 121 Brokers, we follow a straightforward and transparent process to help you secure the right secured business loan for your needs:


Book a Discovery Call

Schedule a call with one of our expert account managers to discuss your financial needs and objectives.


Loan Application

After understanding your needs, we'll guide you through the loan application process and help you gather the necessary documentation.


Approval and Funding

Once your application is approved, review and accept the loan offer that best suits your business needs.

Empower Your Business with Merchant Cash Advance

Diverse Loan Options

Every business, whether it’s a startup or an established enterprise, needs the right tools and machinery to thrive. With our Equipment Loans, you can invest in the essential equipment that drives your operations, without straining your finances. From state-of-the-art machinery to vital tools, ensure your business has everything it needs to succeed.
Don’t let financial hurdles hold you back. Dive into a financing solution tailored for the modern business and ensure you’re always one step ahead.

Why 121 Brokers?

Merchant Cash Advance with 121 Brokers

Tailored Financial Solutions from Industry Professionals

Expert Guidance

Our seasoned account managers at 121 Brokers offer personalized support throughout the loan application, tailoring solutions to your business needs for optimal growth.

Diverse Loan Options

With a wide range of financing options, from unsecured business loans to equipment financing, we ensure a perfect match for your business's unique requirements.

Approval Process

We prioritize efficiency, swiftly reviewing your application to provide timely access to funds without unnecessary delays.

No Upfront Fees

Our commitment to transparency means no upfront costs for our services; our commission is only earned upon successful loan matching, ensuring your satisfaction.

Hear It from Our Clients

Discover how 121 Brokers has helped businesses like yours thrive. Read the stories of our satisfied customers and see the real impact of our financial solutions on their growth and success.

Frequently Asked Questions

A merchant cash advance provides a lump sum in exchange for a percentage of future sales.

Businesses with high credit card sales volumes, like retail stores and restaurants, benefit most.

Repayment is made through a fixed percentage of daily credit card sales.

Advances range from $5,000 to $500,000.

Funds can often be received within 24 to 48 hours after approval.

No, merchant cash advances do not require collateral.

Are you looking for?

Embark on your business journey with confidence with 121 Brokers at your side. Whether you’re kickstarting a new venture, seeking a boost for your small business, navigating the financial landscape with a less-than-perfect credit score, or forging your path as a sole trader, our unsecured business loans are designed to propel you forward. Fast, flexible, and tailored to your unique business story, our solutions ensure your ambitions are never limited by your circumstances. Discover the perfect fit for your dream today.

Insights and Innovations

Explore our collection of expert articles designed to keep you informed and ahead of the curve. Dive into the latest trends, strategies, and tips in finance that can empower your business decisions and boost your operational success.

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