Merchant Cash Advance Application

Fast Funding for Retail Businesses Based on Your Sales Performance

Need working capital to grow your retail business? A merchant cash advance (MCA) offers a flexible financing solution that provides upfront capital in exchange for a percentage of your future credit card sales. Unlike traditional business loans, MCAs are repaid automatically through daily credit card transactions, making them ideal for retail businesses with consistent card processing volume.

This Merchant Cash Advance Application template from Paperform streamlines the entire funding process—from initial inquiry to approval—helping you secure the capital you need without the paperwork hassle of traditional bank loans.

Why Retail Businesses Choose Merchant Cash Advances

For shop owners, restaurant operators, e-commerce stores, and service-based retail businesses, merchant cash advances offer several advantages:

• Fast approval and funding – Often within 24-48 hours, not weeks or months
• No fixed monthly payments – Repayments fluctuate with your daily sales
• Credit card sales-based – Approval depends more on your processing volume than your credit score
• Use funds for anything – Inventory, equipment, marketing, renovations, or seasonal cash flow gaps
• No collateral required – Your future receivables serve as the security

This form template is designed specifically for retail businesses that process credit card payments and need quick access to working capital.

What This Template Includes

This comprehensive application form captures all the essential information lenders need to evaluate your merchant cash advance request:

Business Information Section

• Legal business name, DBA, and industry classification
• Years in business and ownership structure
• Federal Tax ID (EIN) for verification
• Business address and contact details

Owner Information

• Personal details for all owners with 20%+ ownership
• Contact information for decision-makers
• Ownership percentage breakdown

Funding Requirements

• Requested advance amount
• Intended use of funds with conditional logic
• Desired repayment timeline

Processing & Sales Data

• Monthly credit card processing volume
• Average daily sales figures
• Current merchant processor information
• Sales seasonality and trends

Financial Health Indicators

• Average bank balance ranges
• Outstanding debts or liens
• Previous MCA or loan history
• Cash flow patterns

Banking & Processing Details

• Business bank account information for deposits
• Merchant account details for repayment collection
• Authorization for financial verification

The form uses conditional logic to show relevant follow-up questions based on your responses, ensuring a streamlined experience that only asks for information that matters to your specific situation.

Perfect for Multiple Retail Segments

This merchant cash advance template works beautifully across retail industries:

• Brick-and-mortar stores – Clothing, electronics, home goods, specialty shops
• Restaurants and cafes – Quick-service, casual dining, bars, food trucks
• E-commerce businesses – Online retailers with consistent card processing
• Service retailers – Salons, spas, auto repair, gyms, healthcare practices
• Seasonal businesses – Holiday shops, tourism-dependent retailers, event vendors

Built for Speed and Conversions

Unlike PDF applications that sit in email attachments or get lost in the shuffle, this Paperform template delivers a modern, mobile-friendly experience that increases completion rates:

• Professional, on-brand design – Customize fonts, colors, and add your company logo to match your lender's brand
• Guided experience – Clear section headings and helpful field descriptions guide applicants through each step
• Mobile-optimized – Retail owners can apply from their phone while managing their shop floor
• Auto-calculations – Built-in logic can calculate advance eligibility and estimated repayment amounts on the fly
• Instant submission – Applications go directly to your team, no manual data entry required

Streamline Your Lending Operations with Automation

For MCA providers and alternative lenders, Paperform's powerful integrations and automation capabilities transform how you process applications:

Instant lead routing with Stepper Connect your form to Stepper workflows that automatically:

• Score applications based on processing volume and business metrics
• Route high-value leads to senior underwriters immediately
• Send automated follow-ups for incomplete applications
• Update your CRM with applicant details and funding status
• Trigger approval emails with offer details and terms
• Generate conditional offer letters based on application data

Seamless CRM integration Push merchant details directly into HubSpot, Pipedrive, Salesforce, or your lending management system so your sales and underwriting teams have instant access to application data.

Smart conditional logic Show or hide questions based on previous answers—for example, only asking about previous MCAs if the applicant indicates they've had prior financing, or requesting additional documentation for businesses with less than 6 months of processing history.

eSignature ready with Papersign Once an application is approved, automatically generate MCA agreements and send them for secure eSignature through Papersign, keeping everything connected to the original application for a clean audit trail.

Designed for Fast Decision-Making

The best part about merchant cash advances? Speed. This template is structured to help lenders make quick decisions by prioritizing the data points that matter most:

• Processing volume verification – The primary qualification metric
• Time in business – Risk assessment indicator
• Credit card sales percentage – Repayment feasibility
• Existing debt obligations – Cash flow impact analysis
• Bank balance trends – Financial health snapshot

With all this information captured in one clean submission, underwriters can evaluate applications in minutes, not hours.

Secure, Compliant, and Scalable

Financial applications require trust and security. Paperform is SOC 2 Type II certified and GDPR compliant, ensuring applicant data is protected with enterprise-grade security. Our platform includes:

• SSL encryption for all form submissions
• Data residency controls to keep information where it needs to be
• Role-based permissions for team access management
• Audit logs for compliance tracking
• Secure integrations with financial tools and processors

For MCA providers managing multiple broker relationships or operating across states, Paperform's Agency+ plan allows you to manage multiple branded application portals from a single account.

Who This Template Is For

Alternative lenders and MCA providers looking to digitize their application process and reduce time-to-funding

Business loan brokers who want to offer a streamlined application experience for their retail merchant clients

Fintech platforms building embedded financing solutions for retail and e-commerce businesses

Small business consultants helping retail clients access growth capital

Merchant services providers offering value-added financing options to their processing customers

Get Started in Minutes

Whether you're an established MCA provider or launching a new lending product, this template gives you a professional, conversion-optimized application form that you can deploy immediately. Simply customize the branding, connect your notification emails and integrations, and start accepting applications.

With Paperform's intuitive doc-style editor, you can easily modify questions, adjust conditional logic, add your approval criteria calculations, and create a custom success page that sets clear expectations for applicants.

Ready to accelerate your merchant cash advance applications? This template combines the speed and flexibility retail lenders need with the professional experience that builds applicant trust and improves conversion rates.

Start with Paperform's free plan to test the waters, then scale up as your lending volume grows—all with predictable pricing and the features you need to run a modern alternative lending operation.