Notes on Specialty Finance

I break down why tens of thousands of restaurants rely on merchant cash advances to drive profits. Learn how flexible repayment through card sales or ACH helps restaurant owners seize opportunities instantly.

I have been tracking the merchant cash advance market 2026 numbers closely. The data matches what I hear from business owners every day. The US merchant cash advance market is growing around 9 percent a year. Traditional bank lending to small businesses is growing about half that fast. The total market size for 2026 is projected at $35.6 billion. But the real story is not the dollar amount. It is the reason behind the growth. Owners are not turning to MCA because banks said n