Merchant Cash
Advance Software

Provide SME financing and merchant cash advances in-house with award-winning technology.

Businesses See the Following Benefits with TurnKey Lender

  1. Improve your time to market by 3X.
  2. Make accurate credit decisions in seconds.
  3. Automate every step of loan management to cut operational costs and lending risks.
  4. Offer an unmatched customer experience with intuitive web and mobile interfaces.

We know how to simplify lending for you

Provide safe credit at fair prices even to new businesses

Enjoy higher customer value thanks to AI-driven lending automation

Scalable and flexible solution that makes merchant cash advances easier

Our technology

Merchant Cash Advance Software that Gets the Job Done

Offer quick, unsecured loans with bank-grade credit decision accuracy and industry-leading usability.

Reach out to the TurnKey Lender team to discuss the merchant cash advance model and how it will work for your business.

  Schedule a demo


  1. Provide your borrowers with affordable and easily accessible credit funds from your own AI-powered fully automated lending platform.
  2. Provide businesses with an upfront sum of cash for a percentage of their future sales + fees.

Example: $10,000 MCA product with a 1.4 factoring rate (total repayment = $14,000)

Scenario A

Borrower repays 10% of CC sales daily or weekly for 3-12 months until $14,000 is repaid. Our solution can be tightly integrated with Plaid or any e-commerce platform. This then provides a benefit in terms of data insights your TurnKey Lender AI will be able to analyze. In addition, instead of merchants manually uploading invoices, which can be slow and open to fraud, we can monitor their transaction activity, automatically calculate and execute repayments.

Scenario B

Borrower repays equal withdrawals daily or weekly based on estimated revenue.
This scenario is easier to implement, since you’re charging a fixed amount based on estimated revenue and don’t have to monitor transactions.

Reach out to the TurnKey Lender team to discuss the merchant cash advance model and how it will work for your business.

  Schedule a demo

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Read about the digital lending journey of other business owners.

Why TurnKey Lender For Your Business?

Benefits brought
by TurnKey Lender

Invoice Financing

Full Automation

End-to-End Solution

MCA Payment Processing Integration

Fully Customization of MCA Portal

AI-powered MCA Decisioning

Explore companies worldwide using TurnKey Lender

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We looked at other lending solutions. But TurnKey Lender was just more accessible and...well, ‘turn key.’ Now we're on a level playing field with the bigger guys without the overhead. This, and intelligent credit scoring, helps us provide our borrowers with affordable loans while working at a profit.
Simon Lindsay Simon Lindsay
Co-Founder, Managing Director at Cash Direct Pty Ltd

Other TurnKey Lender Services

Scoring Audit

We can help you build a scorecard that frees you of credit risk and also helps you make more money

Expand your
lending business

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