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US Merchant Cash Advance Debt Settlement Market
ID: MRFR/BFSI/63820-CR
107 Pages
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
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.
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 |
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.
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