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Merchant Cash Advance Jobs (NOW HIRING)

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Merchant Cash Advance Broker / ISO Relationship Manager

Piscataway, NJ · On-site

$75K - $250K/yr

... the merchant cash advance industry. This is an outstanding opportunity to build a large book of ISOs, fund millions of dollars to small businesses nationwide, and earn exceptional income with a ...

SBT

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MCA (Merchant Cash Advance) Account Manager

Los Angeles, CA · On-site

$50K - $100K/yr

Merchant Cash Advance (MCA) Account Manager Location: In-Person at Los Angeles Office Position Type: 1099 Independent Contractor Compensation: Commission Only Industry: Business Funding / Private ...

AB Hires and Consulting

Paralegal

Cedarhurst, NY

Draft, review, and manage contracts, agreements, and other legal documents related to Merchant Cash Advance transactions. * Assist in due diligence, lien searches, and UCC filings. * Maintain and ...

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$24.5K

$58.1K

$115.5K

How much do merchant cash advance jobs pay per year?

As of Aug 31, 2026, the average yearly pay for merchant cash advance in the United States is $58,052.00, according to ZipRecruiter salary data. Most workers in this role earn between $40,000.00 and $69,500.00 per year, depending on experience, location, and employer.

What is a merchant cash advance?

A Merchant Cash Advance (MCA) is a type of financing where a business receives a lump sum of money in exchange for a percentage of its future credit card sales or daily revenue. Unlike traditional loans, MCAs are repaid through daily or weekly deductions from the business’s sales, making repayment flexible and based on cash flow. This option is often used by small businesses that may not qualify for conventional loans but need quick access to working capital. However, MCAs can come with higher fees and costs compared to traditional financing methods.

What are the key skills and qualifications needed to thrive as a merchant cash advance sales representative, and why are they important?

To thrive as a Merchant Cash Advance Sales Representative, you need strong sales acumen, knowledge of financial products, and typically a background in finance, business, or related fields. Familiarity with CRM systems, underwriting software, and digital communication tools is essential. Exceptional interpersonal skills, resilience, and persuasive communication help build client trust and close deals in a competitive market. These abilities are crucial for identifying qualified leads, navigating financial regulations, and achieving sales targets in the dynamic MCA industry.

What are the main challenges faced by professionals in merchant cash advance sales, and how can they be addressed?

Professionals in Merchant Cash Advance (MCA) sales often encounter challenges such as high competition, building trust with small business clients, and navigating complex financial regulations. Reaching potential clients requires persistence and effective communication to clearly explain the benefits and terms of MCAs. Addressing these challenges involves staying up-to-date with industry regulations, developing strong relationship-building skills, and working closely with underwriting and support teams to ensure a smooth funding process. Continuous learning and adaptability are also key to standing out in a fast-paced, evolving market.

What is the difference between Merchant Cash Advance vs Business Loan?

AspectMerchant Cash AdvanceBusiness Loan
Funding TypeRepayment based on a percentage of daily credit card salesFixed amount borrowed with scheduled repayments
Application ProcessQuick approval, minimal documentationLonger approval, detailed financial review
Repayment MethodDaily or weekly deductions from salesMonthly installments
Use of FundsWorking capital, inventory, marketingExpansion, equipment, large investments

Merchant Cash Advances provide quick access to funds with flexible repayment tied to sales, ideal for short-term needs. Business loans offer larger amounts with structured repayment plans, suitable for long-term projects. Choosing between them depends on your cash flow and funding requirements.

How does a merchant cash advance work?

A merchant cash advance is a financing option where a lender provides a lump sum of capital to a business in exchange for a percentage of future sales or receivables. Repayments are typically made daily or weekly through a fixed percentage of the business's credit card or bank deposits, making payments flexible based on sales volume.

What cities are hiring for Merchant Cash Advance jobs?

Cities with the most Merchant Cash Advance job openings:

What states have the most Merchant Cash Advance jobs?

States with the most job openings for Merchant Cash Advance jobs include:

Infographic showing various Merchant Cash Advance job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $58,052 per year, or $27.9 per hour.

Merchant Cash Advance (MCA) Underwriter

Mintex Technology

East Los Angeles, CA • On-site

$70K - $100K/yr

Full-time

Re-posted 10 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.