GoTyme Bank Merchant Cash Advance (MCA) is a flexible financing solution designed to help our partners’ merchants access working capital quickly and grow their business without the complexities of traditional loan applications.

Merchants can use the funds for typical business needs such as purchasing inventory, marketing campaigns, expanding branches or kitchens, upgrading equipment, or covering operational expenses. The goal is to help them grow on our partners’ platforms, translating into stronger and more active merchants.

If you or your company has a platform with a strong merchant ecosystem, you might just be our next partner! We’ll work together to design and develop a financing product that fits your merchants and supports your platform’s growth.

To be eligible, a merchant must be active on your platform. From there, GoTyme Bank uses the merchant’s transaction history, sales performance, and tenure on your platform to determine eligibility and offer amounts.

No. GoTyme Bank MCA is designed to be simple and accessible for growing businesses of all sizes. Furthermore, the time from application to fund disbursement is just 2-3 business days. Processing times may slightly differ per partner.

Repayments are usually automatically deducted from the merchants’ daily sales on the partner’s platform. This removes the need for manual payments, ensuring a smooth and hassle-free repayment experience. 

Repayments are usually automatically deducted from the merchants’ daily sales on the partner’s platform. This removes the need for manual payments, ensuring a smooth and hassle-free repayment experience. 

Specifics may vary per partner. If you are a merchant with an active loan from one of our partners, you can check the details of your repayment through your merchant platform or by emailing us at creditsupport@gotyme.com.ph

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