Merchant Cash Advances (MCAs) provide fast access to working capital by advancing funds based on a client’s future revenue. Instead of a traditional loan, clients receive a lump sum and repay it through a percentage of their daily or weekly revenue, often pulled directly from their merchant account or bank deposits.
We assist clients in evaluating MCA offers, comparing funder terms, and preparing supporting documents that improve approval chances. These programs are often used when speed is critical or traditional financing is not available.
MCAs are one of the fastest ways for clients to access capital when time is more important than rate.
Common Use Cases for MCAs
Businesses facing urgent payroll, vendor payment, or inventory costs may use an MCA when time-sensitive funding is required.
Seasonal businesses and companies with cyclical income can use MCA programs to bridge cash flow between peak periods.
MCAs are often available to clients with challenged credit or limited time in business, especially when other lenders will not approve them.
Businesses may choose MCAs to fund advertising, equipment, or expansions without waiting for long approval processes.
MCA Lending Insights
Merchant Cash Advances are based primarily on revenue trends, not credit scores or assets. Funders evaluate recent bank statements, average monthly deposits, and daily balances to estimate repayment ability. Rates and fees vary widely across funders.
We help clients compare offers, prepare documents, and structure terms that match their expected cash flow.
Key areas we support include:
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Identifying total payback versus effective cost
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Comparing daily versus weekly repayment terms
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Assessing stacking risk and timing of other obligations
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Calculating true cost of capital over time
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Preparing 3–6 months of statements with proper categorization