Merchant Cash Advance

How A Merchant Cash Advance Can Help Your Business

A Merchant Cash Advance, also known as a business advance, can be funded in as little as one day! So, it is a great solution for businesses with fluctuating or seasonal sales, or even for when you are trying out new product lines, want to take advantage of inventory sales opportunities, or for talking advantage of marketing. If you have been in business 3 months or more, a merchant cash advance may be for you. A merchant cash advance can help you with:

  • Inventory purchases
  • Equipment needs
  • Marketing opportunities
  • Seasonal opportunities
  • Unexpected needs
  • Short-term capital needs
  • And more

How a Merchant Cash Advance Is Unique

A Merchant Cash Advance (or MCA) is financing based on your business’s future credit card receivables, and approvals are based on your business’s overall financial health, not just a credit score. The biggest difference between a Merchant Cash Advance and any other kind of loan is the way it is repaid. It works with your business’s ever-changing cash flow situation, so instead of making set payments each month for a set amount of time, this type of financing is paid back on a daily basis as a percentage of your credit card sales. Therefore, if your sales are high, your advance is paid off faster, and when your sales are lower, your payment is lower and your advance is paid back slower. This makes it perfect for seasonal businesses or businesses with uncertain or fluctuating cash flow.

Other Benefits Include:

  • Pre-qualify in seconds
  • Apply in minutes
  • Funding in as little as one day
  • No upfront fees
  • No collateral required
  • Challenged credit scores accepted
  • Very little documentation required to qualify

There is a lot you can do with a Merchant Cash Advance. If you think a Merchant Cash Advance could improve your business, give Value Capital Funding a call to learn more.