With a minimum required FICO credit score of 500, borrowers with bad credit may be eligible for a merchant cash advance or a MCA. Merchant cash advances are accessible with as little as three months in business, but businesses need a revenue of at least $10,000 per month. A merchant cash advance allows you to borrow against future earnings to access that capital today. Applications are instantly approved based on your previous quarter revenue (some exceptions apply) and you can receive the funds the same day you request them. Qualifying for a MCA, like the funding itself, is often fast and easy. Due to the nature and terms of the loan, the requirements for a business cash advance are typically pretty lenient.