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:
- Active ABN & ID document
- Minimum of 6 months trading
- Minimum $5,000 monthly turnover
- 6 months bank statement
Obligation Free Enquiry Form
Submit the form below and one of our expert consultants will contact you to discuss your loan options.
Your form has been submitted
Thank you %NAME% for submitting the form. We've received your enquiry, and a 121 Brokers account manager will be in touch shortly. We're excited to help you find the perfect financial solution for your business!
We faced problems while connecting to the server or receiving data from the server. Please wait for a few seconds and try again.
If the problem persists, then check your internet connectivity. If all other sites open fine, then please contact the administrator of this website with the following information.
TextStatus: undefined
HTTP Error: undefined
Some error has occured.
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:
STEP 1
Book a Discovery Call
Schedule a call with one of our expert account managers to discuss your financial needs and objectives.


STEP 2
Loan Application
After understanding your needs, we'll guide you through the loan application process and help you gather the necessary documentation.
STEP 3
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.