Merchant cash advance loans are really close to legal loan sharking and generally is attractive only to businesses in trouble teetering on insolvency. Consider the $65k return on $50k advanced is 30% and likely for less than a year. Also consider that repayment based on 15% of gross is quite high especially for high cost of sale businesses. In Caliornia only banks and other authorized lenders may charge interest in excess of 10% a year. So a first step will be to qualify as an authorized lending entity, in Cal and some other states. Not making a moral judgment. Trading on those is desperate condition can be lucrative but can also be risky. Not offered or intended as legal advice.