Why small businesses are ditching the banks and tapping into faster, smarter capital
Let’s skip the buzzwords—business funding has changed.
Traditional banks? Slower than ever.
Approval rates? Still hovering below 25% for small businesses, according to SBA data.
Meanwhile, Merchant Cash Advances (MCAs) have exploded in popularity—surpassing $19 billion in funded volume in 2023 alone, with double-digit growth projected through 2025.
So what does that mean for you?
It means smart, proactive business owners are skipping the wait and getting capital when it matters most—not when the bank decides to call back.
📈 What’s Fueling the MCA Boom?
1. Speed
According to the Federal Reserve, 58% of small business owners say that speed of funding is the #1 factor when choosing a lender.
✅ With MCAs, funding is often approved and deposited within 24 hours.
2. Flexibility
MCAs don’t care about your credit score from three years ago.
Instead, funders look at:
Daily deposits
Cash flow health
Real-time revenue performance
There’s no collateral required, no drawn-out underwriting process, and no lengthy bank meetings.
3. Use Cases That Actually Matter
According to the NSBA, businesses most often use MCA funding for:
Inventory and vendor orders
Payroll and staffing
Emergency repairs and upgrades
Marketing and growth campaigns
These aren’t “nice-to-haves.” They’re business-critical moments where timing makes or breaks momentum.
🧠 What Should You Do With This Information?
Ask yourself honestly:
Would faster access to capital help me grow more aggressively?
Could I protect cash flow during slower seasons?
Do I keep delaying expansion or essential investments?
If the answer is yes, you’re not alone—and you’re not behind.
But if you wait much longer, you might be.
MCAs aren’t just for businesses in crisis.
They’re used by businesses with vision—those who understand that acting today can build an edge that pays off for years.
🏁 Your Next Step Is Simple
At Lumen Point Capital, we help small businesses doing $20K+/month in revenue access $30K–$1M+ in working capital—fast, clean, and personalized.
✅ No obligation
✅ No hard credit check
✅ No endless paperwork
You won’t get ghosted.
You won’t wait weeks.
You’ll get clear options—backed by real funders who know how to move at your speed.
In business, speed isn’t just leverage—it’s survival.
Let’s help you move fast, fund smart, and grow with confidence.
Lumen Point Capital
Built for Speed. Backed by Trust.