Merchant Cash Advance

What is a Merchant Cash Advance?

A merchant cash advance (MCA) is a type of short-term business financing where a business receives a lump sum upfront in exchange for a percentage of their future credit card or debit card sales, rather than a fixed repayment schedule like a loan.

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How it works

What is a Merchant Cash Advance?

Instead of a traditional loan with fixed interest and repayment terms, an MCA provider essentially purchases a portion of a business's future sales revenue at a discounted rate.

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Collateral & Repayment

No Collateral needed. The business repays the advance by a percentage of their daily or weekly credit/debit card sales until the agreed-upon amount (including fees) is paid in full. Often times you will be offered a renewal before completely paying it off.

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Quick & Easy

Collateral & Repayment

A Merchant Cash Advance can provide businesses with fast access to capital, especially for short-term needs or unexpected expenses, and can be more flexible than traditional loans.

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Preserves Cash Flow

The merchant will be getting a lump sum of money to help with any cash flow, payroll problems or just to use it as a quick bridge!

Tax Benefits

MCA's may qualify for tax deductions under Section 179, allowing businesses to deduct the cost of equipment in the year they are bought.

What to consider

While MCAs can be helpful, they often come with higher costs (fees and factor rates) compared to traditional loans, so businesses should carefully evaluate the terms and potential costs before opting for one.

Eligible Businesses

Businesses that accept credit and debit cards are generally eligible for MCAs, and the lender will assess the business's sales history to determine the amount of the advance and the repayment terms.

Why 365 BizFund?

Customer First Mentality!

We’re a team of experienced business advisors and financial services professionals who came together with an idea: to create funding solutions that empower you and your business.

Customer First Mentality!

At 365 BizFund we focus on understanding customer needs, providing quick and effective solutions, and building long-term relationships through empathy and proactive communication.

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