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Merchant Cash Advance

What is a Merchant Cash Advance?

A merchant cash advance (MCA) is not a loan, but a cash advance in exchange for a portion of future sales. Once the cash is disbursed to the business owner, a daily percentage of credit or debit card sales are remitted to the MCA provider until the agreed upon amount is paid in full. There are limited restrictions on use of proceeds with no personal guarantee required.

  • Limited Restrictions

 

  • Inventory Purchases

 

  • Payment of Suppliers or Payroll

 

  • Other Working Capital

 

  • Partner Buyout

 

  • Business Expansion

 

  • Equipment Purchases

 

  • Other

Use of MCA Proceeds

More About MCA

  • Regular credit and debit cards transaction volume required

  • Poor credit score may not disqualify you for a merchant cash advance 

  • Pay as you go, pay less when you earn less, pay more when you earn more

  • Remittances automatically deducted from credit and debit card sales 

  • No bankruptcies or foreclosures in last 12 months

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