Merchant Cash Advance (MCA) is a form of business financing where the lender provides funds by purchasing the right to receive future revenue from the business. This revenue typically comes from credit card sales or other online transactions. The borrower must repay the advance along with fees, usually calculated as a percentage of the loan amount. While MCAs offer quick transactions and don't require a good credit history, they come with high costs and long-term repayment risks. It's important to carefully consider the terms and fees associated with an MCA before proceeding with one.