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Merchant Cash Advances Jobs (NOW HIRING)

SBT

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MCA (Merchant Cash Advance) Account Manager

Los Angeles, CA · On-site

$50K - $100K/yr (+ commission)

Make 250-300 outbound calls per day using an auto dialer Speak with business owners about merchant cash advances and business financing Qualify prospects based on financing needs and business ...

Premium Merchant Funding

Office Assistant

New York, NY · On-site

$45K - $50K/yr

We specialize in alternative business financing solutions, including merchant cash advances and business funding tailored to the needs of each client. Our team operates in a fast-paced ...

Funderial Business Funding

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Business Development & Sales - Merchant Cash Advance

New York, NY · On-site

$65K - $250K/yr (+ commission)

Since 2010 we've helped thousands of owners get working capital fast -- credit card split funding, merchant cash advances, term loans, lines of credit, SBA, and more. A+ BBB. Nationwide. Built for ...

New

Regent & Associates

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Commercial Collections Specialist

Houston, TX · On-site

$22/hr (+ commission)

Experience collecting business debt, merchant cash advances, equipment finance, factoring, or other commercial obligations strongly preferred. * Strong negotiation and objection-handling skills.

Premium Merchant Funding

Office Assistant

Manhattan, NY · On-site

$45K - $50K/yr

We specialize in alternative business financing solutions, including merchant cash advances and business funding tailored to the needs of each client. Our team operates in a fast-paced ...

Premium Merchant Funding

Office Assistant

Manhattan, NY · On-site

$45K - $50K/yr

We specialize in alternative business financing solutions, including merchant cash advances and business funding tailored to the needs of each client. Our team operates in a fast-paced ...

Walmart

Counsel-Marketplace Payments

Bentonville, AR · On-site +1

This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing ...

Walmart

Counsel-Marketplace Payments

Centerton, AR · On-site

$110K - $220K/yr

This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing ...

Walmart

Counsel-Marketplace Payments

Elm Springs, AR · On-site

$110K - $220K/yr

This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing ...

Walmart

Counsel-Marketplace Payments

Anderson, MO · On-site

$110K - $220K/yr

This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing ...

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Merchant Cash Advances information

What is a merchant cash advance?

Merchant Cash Advances (MCAs) are a type of financing where a business receives a lump sum of cash in exchange for a percentage of its future credit card sales or daily bank deposits. Unlike traditional loans, MCAs do not require fixed monthly payments; instead, repayments are made automatically as a portion of daily sales, making them flexible for businesses with fluctuating revenues. MCAs are popular among small businesses that need quick access to capital but may not qualify for conventional loans. However, they often come with higher fees and costs compared to traditional financing options. It's important for businesses to carefully review the terms before accepting a merchant cash advance.

What skills and qualifications are needed to work in merchant cash advances?

To thrive as a Merchant Cash Advance Specialist, you need a solid understanding of financial products, sales acumen, and experience in business lending or finance. Familiarity with CRM systems, underwriting software, and financial analysis tools is commonly required, along with any relevant financial certifications. Strong interpersonal skills, negotiation abilities, and persistence help build relationships with clients and close deals. These competencies ensure effective assessment of business needs, successful transaction processing, and long-term client satisfaction in a competitive financial services environment.

What are common challenges faced by professionals working in merchant cash advances?

Professionals in Merchant Cash Advances often face challenges such as evaluating the creditworthiness of clients with limited financial documentation, managing high client expectations for quick funding, and navigating regulatory changes. Successful team members develop strong analytical skills and maintain clear communication with clients to set realistic timelines and terms. Additionally, staying updated on industry regulations and fostering collaborative relationships with underwriting and legal teams can help address these challenges effectively.

What is the difference between Merchant Cash Advances vs Business Loan Officers?

AspectMerchant Cash AdvancesBusiness Loan Officers
CredentialsMinimal; often no formal certification neededTypically require banking or finance certifications
Work EnvironmentFast-paced, sales-driven, often in financial servicesOffice-based, client meetings, financial analysis
Industry UsageUsed by small businesses seeking quick fundingFacilitate business loans, assess creditworthiness
Comparison FocusFunding options for businessesLoan assessment and approval

Merchant Cash Advances and Business Loan Officers serve different roles in business financing. While merchant cash advances provide quick funding based on future sales, business loan officers evaluate and approve traditional loans. Understanding these differences helps businesses choose the right financial solution.

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Merchant Cash Advances jobs near you
Infographic showing various Merchant Cash Advances job openings in the United States as of August 2026, with employment types broken down into 48% Full Time, 50% Part Time, and 2% Contract. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution.

Merchant Cash Advance (MCA) Underwriter

Mintex Technology

East Los Angeles, CA • On-site

$70K - $100K/yr

Full-time

Re-posted 16 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.