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    US Merchant Cash Advance Debt Settlement Market

    ID: MRFR/BFSI/63820-CR
    107 Pages
    Aarti Dhapte
    September 2025

    US Merchant Cash Advance (MCA) and Debt Settlement Market Research Report Information by Industry Vertical (Retail and E-Commerce, Restaurants and Hospitality, Transportation and Logistics, Healthcare, Construction and Contracting, Manufacturing, Personal Services (Salons, Gyms, Auto Repair), Others) and Country (US) - Forecast till 2035

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    Table of Contents

    US Merchant Cash Advance Debt Settlement Market Summary

    Key Market Trends & Highlights

    US Merchant Cash Advance Debt Settlement Market Trends

    US Merchant Cash Advance Debt Settlement Market Drivers

    Market Segment Insights

    Merchant Cash Advance (MCA) and Debt Settlement by Industry Vertical Insights

    Based on Industry Vertical, the US Merchant Cash Advance (MCA) and Debt Settlement market has been divided into Retail and E-Commerce, Restaurants and Hospitality, Transportation and Logistics, Healthcare, Construction and Contracting, Manufacturing, Personal Services (Salons, Gyms, Auto Repair), Others. The Retail and E-Commerce segment dominated the US market in 2024, while the Personal Services (Salons, Gyms, Auto Repair) segment is projected to be the fastest–growing segment during the forecast period. 

    Importance: Retailers frequently experience seasonal variations, necessitating instant access to working capital in off-seasons. MCAs assist in buying bulk inventory at discounted prices or financing ad campaigns to maximize sales in peak season. E-commerce players utilize MCAs to increase scale, invest in website development, or initiate digital advertising campaigns. Trends: The growth of e-commerce has resulted in higher use of MCAs among e-commerce operators. They are using MCAs to compete with chains by enhancing customer experience and offering more products.

    Regional Insights

    Key Players and Competitive Insights

    Many global, regional, and local vendors characterize the Merchant Cash Advance (MCA) and Debt Settlement Market. The market is highly competitive, with all the players competing to gain market share. Intense competition, rapid advances in technology, frequent changes in government policies, and environmental regulations are key factors that confront market growth. The vendors compete based on cost, product quality, reliability, and government regulations. Vendors must provide cost-efficient, high-quality products to survive and succeed in an intensely competitive market.

    The major competitors in the market are Rapid Finance, Fora Financial, Credibly, National Funding, CAN Capital, Kalamata Capital Group, Libertas Funding, Square Capital, PayPal Working Capital, OnDeck Capital are among others. The US Merchant Cash Advance (MCA) and Debt Settlement Market is a consolidated market due to increasing competition, acquisitions, mergers and other strategic market developments and decisions to improve operational effectiveness.

    Industry Developments

    June 2024: Rapid Finance has enhanced its fraud detection platform, Lynx, with a cloud-based rules engine, allowing SMB lenders to create customized risk management rules. This update aims to improve lending decisions by tailoring criteria to specific business needs. The company also expanded its services with the Rapid Access Mastercard program, offering instant access to funds for qualifying SMB customers.

    October 2024: National Funding, alongside its holding company FairSquare, secured an $83.25 million warehouse funding facility from Forbright Bank, with potential for up to $150 million in expansion. This credit facility includes mezzanine capital from Hudson Cove Capital Management, enabling National Funding to enhance liquidity, origination capacity, and support SMB growth.

    May 2024: Square has introduced Square Kiosk, a fully integrated self-serve ordering solution for quick-service restaurants. This system allows diners to easily customize and place orders, bypassing lines and improving order efficiency. It integrates with Square for Restaurants, providing real-time sales data and seamless payments through Square Checking for quick cash flow access.

    February 2023: CAN Capital has completed a two-year technological transformation, modernizing its loan origination and servicing platform and migrating to the cloud.

    US Merchant Cash Advance (MCA) and Debt Settlement Market Segmentation

    Merchant Cash Advance (MCA) and Debt Settlement by Industry Vertical Outlook

    • Retail and E-Commerce
    • Restaurants and Hospitality
    • Transportation and Logistics
    • Healthcare
    • Construction and Contracting
    • Manufacturing
    • Personal Services (Salons, Gyms, Auto Repair)
    • Others

    Market Segmentation

    Merchant Cash Advance (MCA) and Debt Settlement by Industry Vertical Outlook

    • Retail and E-Commerce
    • Restaurants and Hospitality
    • Transportation and Logistics
    • Healthcare
    • Construction and Contracting
    • Manufacturing
    • Personal Services (Salons, Gyms, Auto Repair)
    • Others

    Report Scope

    Report Attribute/Metric Details
    Market Size 2024 USD 24.58 Billion
    Market Size 2025 USD 26.59 Billion
    Market Size 2035 USD 54.67 Billion
    Compound Annual Growth Rate (CAGR) 7.5% (2025-2035)
    Base Year 2024
    Forecast Period 2025-2035
    Historical Data 2019-2023
    Forecast Units Value (USD Billion)
    Report Coverage Revenue Forecast, Competitive Landscape, Growth Factors, and Trends
    Segments Covered By Industry Vertical
    Geographies Covered US
    Countries Covered US
    Key Companies Profiled Rapid Finance, Fora Financial, Credibly, National Funding, CAN Capital, Kalamata Capital Group, Libertas Funding, Square Capital, PayPal Working Capital, OnDeck Capital
    Key Market Dynamics The growing need for alternative business financing. Increased awareness of debt settlement services

    Market Highlights

    Author
    Aarti Dhapte
    Team Lead - Research

    She holds an experience of about 6+ years in Market Research and Business Consulting, working under the spectrum of Information Communication Technology, Telecommunications and Semiconductor domains. Aarti conceptualizes and implements a scalable business strategy and provides strategic leadership to the clients. Her expertise lies in market estimation, competitive intelligence, pipeline analysis, customer assessment, etc.

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    FAQs

    How much is the US Merchant Cash Advance (MCA) and Debt Settlement Market?

    The US Merchant Cash Advance (MCA) and Debt Settlement Market was valued at USD 24.58 Billion in 2024.

    Which Industry Vertical holds the largest market share?

    The Retail and E-Commerce segment by Industry Vertical holds the largest market share and grows at a CAGR of 7.6% during the forecast period.

    Who are the prominent players in the US Merchant Cash Advance (MCA) and Debt Settlement Market?

    Rapid Finance, Fora Financial, Credibly, National Funding, CAN Capital, Kalamata Capital Group, Libertas Funding, Square Capital, PayPal Working Capital, and OnDeck Capital are prominent players in the US Merchant Cash Advance (MCA) and Debt Settlement Market.

    1. MERCHANT CASH ADVANCE (MCA)
    2. INDUSTRY SUMMARY
      1. MARKET OVERVIEW
      2. RISK AND CONSIDERATIONS
    3. HOW DOES A MERCHANT CASH ADVANCE (MCA) WORK?
      1. USE CASES OF MERCHANT CASH
    4. ADVANCES (MCA)
      1. BENEFITS OF MERCHANT CASH ADVANCE (MCA)
      2. MERCHANT
    5. CASH ADVANCE (MCA) ENTITY SETUP
      1. STEPS TO START OWN BUSINESS
    6. BUSINESS MODEL AND STRUCTURE
      1. BUSINESS STRUCTURE
        1. BUSINESS
    7. MODELS
      1. LEGAL REQUIREMENTS
        1. PERMITS AND LICENCES
      2. MERCHANT
    8. CASH ADVANCE REGULATION TRENDS
      1. MERCHANT CASH ADVANCE (MCA) BROKERS
    9. ROLES OF MCA BROKERS
      1. ADVANTAGES OF WORKING WITH MERCHANT CASH ADVANCE
    10. BROKERS
      1. MERCHANT CASH ADVANCE BROKER PROS
        1. MERCHANT CASH ADVANCE
    11. BROKER CONS
      1. MERCHANT CASH ADVANCE BROKERS
        1. MERCHANT CASH ADVANCE
    12. BROKERS VERSUS DIRECT LENDERS
    13. MARKET DYNAMICS
      1. INTRODUCTION
      2. DRIVERS
        1. THE GROWING NEED FOR ALTERNATIVE BUSINESS FINANCING
        2. INCREASED AWARENESS OF DEBT SETTLEMENT SERVICES
        3. LACK OF ACCESS
    14. TO TRADITIONAL FINANCING
      1. RESTRAINT
        1. THE HIGH COST OF BORROWING
    15. AND THE POTENTIAL FOR DAILY REPAYMENT OBLIGATIONS
      1. LACK OF REGULATION
      2. MARKET TRENDS
        1. RISING DEMAND FOR DEBT RESTRUCTURING SOLUTIONS
        2. INTEGRATION OF TECHNOLOGY AND AI IN DEBT SETTLEMENT
    16. MERCHANT
    17. CASH ADVANCE (MCA) MARKET ANALYSIS
      1. US MERCHANT CASH ADVANCE (MCA) MARKET
        1. US MCA MARKET COMPARISON WITH MCA MARKETS IN OTHER GROWING ECONOMIES
      2. US MERCHANT CASH ADVANCE (MCA) MARKET ANALYSIS – BY INDUSTRY VERTICAL
        1. RETAIL AND E-COMMERCE
        2. RESTAURANTS AND HOSPITALITY
    18. PERSONAL SERVICES
      1. HEALTHCARE
        1. CONSTRUCTION AND CONTRACTING
        2. TRANSPORTATION AND LOGISTICS
        3. MANUFACTURING
        4. OTHERS
      2. US MERCHANT CASH ADVANCE (MCA) DEBT SETTLEMENT INDUSTRY ANALYSIS
    19. HISPANIC VERSUS NON-HISPANIC CUSTOMER ANALYSIS
      1. MERCHANT CASH ADVANCE (MCA)
    20. BEST PRACTICES
      1. FOR MERCHANT CASH ADVANCE (MCA) FUNDERS
        1. FOR
    21. MERCHANT CASH ADVANCE (MCA) SEEKERS
    22. COMPETITVE LANDSCAPE
      1. OVERVIEW
      2. US MERCHANT CASH ADVANCE (MCA) PROVIDERS MARKET SHARE ANALYSIS, 2024 (% SHARE)
      3. TOP US MERCHANT CASH ADVANCE (MCA) PROVIDERS SUMMARIZED
      4. COMPETITIVE
    23. BENCHMARKING - US MERCHANT CASH ADVANCE (MCA) PROVIDERS
      1. COMPARATIVE ANALYSIS
        1. COMPARATIVE ANALYSIS – US MERCHANT CASH ADVANCE (MCA) PROVIDERS
        2. COMPARATIVE ANALYSIS – US MERCHANT CASH ADVANCE (MCA) DEBT RELIEF
    24. PROVIDERS
      1. RECENT DEVELOPMENTS – MERCHANT CASH ADVANCE (MCA) PROVIDERS
        1. PRODUCT DEVELOPMENT
        2. PARTNERSHIPS/AGREEMENTS/CONTRACTS/COLLABORATIONS
    25. COMPANY PROFILES (MERCHANT CASH ADVANCE (MCA) DEBT RELIEF FIRMS)
      1. NATIONAL
    26. DEBT RELIEF
      1. COMPANY OVERVIEW
        1. FINANCIAL OVERVIEW
    27. PRODUCTS/SOLUTIONS/SERVICES OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT
    28. ANALYSIS
      1. KEY STRATEGIES
      2. CURADEBT SYSTEMS, LLC
        1. COMPANY
    29. OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        2. KEY DEVELOPMENTS
        3. SWOT ANALYSIS
        4. KEY STRATEGIES
    30. SECOND WIND CONSULTANTS
      1. COMPANY OVERVIEW
        1. FINANCIAL OVERVIEW
        2. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        3. KEY DEVELOPMENTS
    31. SWOT ANALYSIS
      1. KEY STRATEGIES
      2. VALUE CAPITAL FUNDING
    32. COMPANY OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES
    33. OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT ANALYSIS
        2. KEY STRATEGIES
      2. CREDITORS RELIEF LLC
        1. COMPANY OVERVIEW
        2. FINANCIAL OVERVIEW
        3. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        4. KEY DEVELOPMENTS
    34. SWOT ANALYSIS
      1. KEY STRATEGIES
      2. BUSINESS DEBT LAW GROUP
    35. COMPANY OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES
    36. OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT ANALYSIS
        2. KEY STRATEGIES
      2. TAYNE LAW GROUP, P.C.
        1. COMPANY OVERVIEW
        2. FINANCIAL OVERVIEW
        3. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        4. KEY DEVELOPMENTS
    37. SWOT ANALYSIS
      1. KEY STRATEGIES
      2. BARDWELL CREATIVE INC.
    38. COMPANY OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES
    39. OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT ANALYSIS
        2. KEY STRATEGIES
      2. SLATE CAPITAL GROUP, LLC
        1. COMPANY OVERVIEW
        2. FINANCIAL
    40. OVERVIEW
      1. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        1. KEY DEVELOPMENTS
        2. SWOT ANALYSIS
        3. KEY STRATEGIES
    41. COMPANY PROFILES (MERCHANT
    42. CASH ADVANCE (MCA) FUNDING PROVIDERS)
      1. NEW FRONTIER FUNDING LLC
    43. COMPANY OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES
    44. OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT ANALYSIS
        2. KEY STRATEGIES
      2. SEEK CAPITAL, LLC
        1. COMPANY OVERVIEW
        2. FINANCIAL OVERVIEW
        3. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        4. KEY DEVELOPMENTS
    45. SWOT ANALYSIS
      1. KEY STRATEGIES
      2. BIZ2CREDIT INC
        1. COMPANY
    46. OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        2. KEY DEVELOPMENTS
        3. SWOT ANALYSIS
        4. KEY STRATEGIES
    47. BUSINESS CAPITAL PROVIDERS
      1. COMPANY OVERVIEW
        1. FINANCIAL OVERVIEW
        2. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        3. KEY DEVELOPMENTS
    48. SWOT ANALYSIS
      1. KEY STRATEGIES
      2. UPSCALE CAPITAL LLC
    49. COMPANY OVERVIEW
      1. FINANCIAL OVERVIEW
        1. PRODUCTS/SOLUTIONS/SERVICES
    50. OFFERED
      1. KEY DEVELOPMENTS
        1. SWOT ANALYSIS
        2. KEY STRATEGIES
      2. CREDIT SUITE
        1. COMPANY OVERVIEW
        2. FINANCIAL OVERVIEW
        3. PRODUCTS/SOLUTIONS/SERVICES OFFERED
        4. KEY DEVELOPMENTS
    51. SWOT ANALYSIS
      1. KEY STRATEGIES
    52. MERCHANT CASH ADVANCE BROKERS
    53. FOR DIFFERENT BUSINESS MODELS
    54. 2035 (USD BILLION)
    55. GROWING ECONOMIES
    56. VERTICAL, 2019-2035 (USD BILLION)
    57. SETTLEMENT INDUSTRY, 2019-2035 (USD BILLION)
    58. TO LATINO-OWNED BUSINESSES
    59. CASH ADVANCE COMPANIES – COMPARATIVE ANALYSIS
    60. ADVANCE (MCA) DEBT RELIEF PROVIDERS– COMPARATIVE ANALYSIS
    61. DEVELOPMENT
    62. NATIONAL DEBT RELIEF: PRODUCTS/SOLUTIONS/SERVICES OFFERED
    63. DEBT RELIEF: KEY DEVELOPMENTS
    64. OFFERED
    65. FUNDING: PRODUCTS/SOLUTIONS/SERVICES OFFERED
    66. PRODUCTS/SOLUTIONS/SERVICES OFFERED
    67. OFFERED
    68. SLATE CAPITAL GROUP, LLC: PRODUCTS/SOLUTIONS/SERVICES OFFERED
    69. FRONTIER FUNDING LLC: PRODUCTS/SOLUTIONS/SERVICES OFFERED
    70. LLC: PRODUCTS/SOLUTIONS/SERVICES OFFERED
    71. INC: KEY DEVELOPMENTS
    72. OFFERED
    73. PROS AND CONS OF MERCHANT CASH ADVANCE (MCA)
    74. MODEL
    75. ADVANCES MODEL
    76. PORTFOLIO MANAGEMENT AND RECEIVABLES SALES MODEL
    77. AND CROSS-SELLING MODEL
    78. MARKET: MARKET GROWTH FACTOR ANALYSIS (2019-2035)
    79. US MERCHANT CASH ADVANCE (MCA) MARKET, 2019-2035 (USD BILLION)
    80. MERCHANT CASH ADVANCE (MCA) MARKET – BY INDUSTRY VERTICAL, 2024 (% SHARE)
    81. 2035 (USD BILLION)
    82. INDUSTRY, 2019-2035 (USD BILLION)
    83. 2024 (IN BILLION)
    84. STATES, 2024 (IN 1,000’S)
    85. PLAYERS: COMPETITIVE ANALSIS, 2024
    86. COMPETITIVE BENCHMARKING
    87. CURADEBT SYSTEMS, LLC: SWOT ANALYSIS
    88. SWOT ANALYSIS
    89. CREDITORS RELIEF LLC: SWOT ANALYSIS
    90. ANALYSIS
    91. CREATIVE INC.: SWOT ANALYSIS
    92. LLC: SWOT ANALYSIS
    93. CAPITAL PROVIDERS: SWOT ANALYSIS

    US Outlook (USD Billion, 2019-2035)

    US Merchant Cash Advance (MCA) Debt Settlement, Industry Vertical (USD Billion, 2019-2035)

    • Retail and E-Commerce
    • Restaurants and Hospitality
    • Transportation and Logistics
    • Healthcare
    • Construction and Contracting
    • Manufacturing
    • Personal Services (Salons, Gyms, Auto Repair)
    • Others

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