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Cash Advance Jobs (NOW HIRING)

Sezzle

OR · On-site

As a Fraud Analyst specializing in Peer-to-Peer (P2P) and Cash Advance products, you will be on the front lines of protecting Sezzle and our customers from financial loss and malicious activity. You ...

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Merchant Cash Advance Sales Agent

Forest Hills, NY · On-site

$26K - $250K/yr

Merchant cash advance (MCA) * Business funding * Lending * Debt consolidation * Financial services * CRM systems * Phone sales and closing Prior funding experience is a plus, but sharp, coachable ...

Urgent

Training provided

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How much do cash advance jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for cash advance in the United States is $16.44, according to ZipRecruiter salary data. Most workers in this role earn between $14.90 and $16.59 per hour, depending on experience, location, and employer.

What is the difference between Cash Advance vs Loan Officer?

AspectCash AdvanceLoan Officer
Required credentialsMinimal; often no formal certificationTypically requires a finance or banking certification
Work environmentFinancial institutions, payday loan storesBanks, credit unions, lending companies
Employer and industry usageUsed by payday lenders and short-term lendersUsed by banks and lending institutions for loan processing
Common search and comparison intentUnderstanding short-term borrowing optionsUnderstanding lending and loan processing roles

While a Cash Advance involves short-term borrowing often with minimal credentials, a Loan Officer is a professional who evaluates and approves loans in financial institutions. The two roles differ in credentials, work environment, and industry usage, but both relate to lending and credit services.

What are cash advance jobs?

Cash advance jobs typically refer to positions within companies that provide short-term loans or cash advances to individuals or businesses. Employees in these roles may work as customer service representatives, loan officers, or branch managers, assisting clients with loan applications, verifying documentation, and explaining repayment terms. These jobs require strong communication skills and knowledge of relevant financial regulations to ensure compliance. The primary goal is to offer quick financial solutions to customers while minimizing risk for the lender.

What are some common challenges faced by cash advance professionals, and how can they be addressed?

Cash advance professionals often face challenges such as managing high transaction volumes, ensuring compliance with regulatory requirements, and handling sensitive customer financial information. Staying organized, keeping up-to-date with industry regulations, and maintaining strong attention to detail are crucial for success. Additionally, effective communication skills help in explaining terms to clients and resolving any issues that may arise during the application process.

What are the key skills and qualifications needed to thrive as a Cash Advance Specialist, and why are they important?

To thrive as a Cash Advance Specialist, you need strong numeracy, attention to detail, and financial services experience, often backed by a background in banking or finance. Familiarity with point-of-sale (POS) systems, loan management software, and regulatory compliance tools is typically required. Excellent customer service, problem-solving abilities, and integrity help build trust and handle sensitive financial transactions. These skills are crucial to ensure accurate processing, prevent fraud, and deliver a positive client experience in a highly regulated environment.
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Cash Advance jobs near you

Merchant Cash Advance (MCA) Underwriter

Mintex Technology

East Los Angeles, CA • On-site

$70K - $100K/yr

Full-time

Posted 19 days ago

Job description

Job Title: Merchant Cash Advance (MCA) Underwriter
Location: Los Angeles, CA
Employment Type: Permanent
 
Job Description:
  • The Merchant Cash Advance (MCA) Underwriter is responsible for evaluating and underwriting applications for merchant cash advances for short-term financing options in the merchant cash advance space in funding small businesses all over the United States. This role involves analyzing financial documents, assessing risk, and making informed decisions to approve or deny funding requests. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to make sound judgments in a fast-paced environment.
Key Responsibilities:
 
1. Application Review:
Assess and analyze applications for merchant cash advances, including reviewing financial statements, credit reports, and other relevant documents.
Evaluate the financial health and stability of applicants to determine the risk level associated with each advance.
 
2. Risk Assessment:
Conduct thorough risk assessments by analyzing business revenue, cash flow, and other financial metrics.
Utilize risk assessment tools and underwriting software to assist in decision-making.
 
3. Decision Making:
Make informed decisions on whether to approve or deny merchant cash advance applications based on risk assessment and company guidelines.
Provide recommendations for approval, denial, or modification of funding terms.
 
4. Communication:
Communicate underwriting decisions and rationale to applicants and internal teams clearly and professionally.
Collaborate with sales and customer service teams to address any issues or concerns related to the underwriting process.
 
5. Documentation and Reporting:
Maintain accurate and detailed records of underwriting decisions, including documentation and rationale for each case.
Prepare and submit reports on underwriting performance, trends, and potential areas for improvement.
 
6. Compliance and Procedures:
Ensure adherence to company policies, industry regulations, and legal requirements during the underwriting process.
Stay updated on industry trends and changes in regulations that may impact underwriting practices.
 
7. Continuous Improvement:
Identify and recommend improvements to underwriting processes and procedures to enhance efficiency and effectiveness.
Participate in training and development opportunities to stay current with best practices in underwriting.
 
Qualifications:
 
Education:
  • Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
  • Relevant certifications are a plus.
Experience:
  • 5 years of experience in underwriting, preferably in merchant cash advances or a related field.
Skills:
  • Strong analytical and critical thinking skills.
  • Proficiency in financial analysis and risk assessment.
  • Excellent communication and interpersonal skills.
  • Detail-oriented with strong organizational skills.
  • Ability to make sound decisions under pressure.
 
Technical Proficiency:
  • Familiarity with underwriting software and financial analysis tools.
  • College degree in finance is a plus.
  • Must be able to create underwriting polices and guidelines.
  • Must be able to create varying credit boxes.