Revenue Based Funding

Revenue Based Funding Solutions

What is an MCA?

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 an MCA?

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. This method of business financing focused on your businesses revenue and not your personal credit

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Repayment & Collateral

No Collateral is needed. The business financing is repaid by a percentage of daily or weekly credit/debit card sales until the agreed-upon amount (including fees) is paid in full. Often, you will be offered more business financing before the loan term is completed.

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Fast & Simple

Repayment & Collateral

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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Boost 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 Savings

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

Key Considerations

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.

Qualifying 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.

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