Your business is ready to take off, but right now, you lack the capital to make it happen. Whether you’ve had a slow month or an unexpected emergency that has hurt your bottom line, you can request a merchant cash advance to get your business back to operating at its very best. The following financing options allow you to receive immediate funding, as well as borrow against future earnings.

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How are Merchant Cash Advance Repayments Structured?

Percent of credit card sales

MCA Loan is paid off via a percentage of your credit card sales taken out until the agreed amount is met.

Fixed daily withdrawals

MCA Loan is paid off via a fixed daily or monthly withdrawal until the agreed amount is met.

Percent of Credit Card Sales

In order to repay your cash advance, you can arrange to have a portion of your credit card sales go back to your lender until the loan has been paid in full. Many of our clients appreciate this option because, as business sales go up, they repay their loans faster, which can be a huge benefit.

Fixed Daily Withdrawals

Withdrawals can be made daily or weekly, and the payment amount is based on an estimate of your monthly revenue. Whether sales are up or down, you’ll pay the same, fixed amount.

Benefits of a Merchant Cash Advance Loan

They’re quick

MCAs are meant to be quick so that you can get your business on track in no time!

When sales are down, payments may be too

If you’re using a percentage of credit card sales to pay off the loan, when your sales are low, your payments may be as well.

They’re unsecured  

With this type of loan, you don’t have to put forth collateral, meaning you won’t have to forfeit property

  • They’re fast — You can get your MCA within a week of applying with very little paperwork. All we take a look at is your business’s daily credit card receipts to determine how much you can afford.
  • They’re low-stress — MCAs are unsecured, meaning you don’t need collateral to be approved.
  • They’re flexible — If sales are down, your payment could be too. Just make sure your repayment schedule is based on a fixed percentage of your sales.
  • If you think a merchant cash advance is the path for your business, reach out to Merchant Flow Financial today to get started.

Is a Merchant Cash Advance Loan for Me?

You have a stable daily or weekly revenue

If you’re confident in your daily or weekly revenue, this loan would be great for your business.

You need a quick loan and make a lot in credit card sales

If you make a solid amount in credit card sales, then this loan would be good for you!

Want a Merchant Cash Advance Loan?
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If you think a merchant cash advance is the right path for your small business, reach out to Merchant Flow Financial today to get started on your financial journey. Contact us.

Compare Business Loans

Merchant Cash Advance SBA Loans Factoring Invoices Asset Based Line of Credit
Best for:

-Businesses that need a loan quickly

-Business that can pay a set daily amount or a percentage of credit or debit card sales

-Businesses that are growing

-Businesses that need a quick and manageable loan

-Businesses that need cash quickly

-Businesses that can afford the associated fees

-Businesses that are able to control cash flow

-Businesses with a good financial standing

Length of Loan -Loan is paid off when set amount is paid back to the lender. -Usually between 7 and 25 years -Paid off once original invoice is paid back -Balance is paid off as borrower spends, similar to a credit card
Uses:

-Purchasing or replacing equipment

-Making a necessary repair

-Opening a new location or bringing on new employees -Paying employees, rent, utilities, etc. when company can’t wait for invoice to be received

-Managing funds

-Monitoring business cash flow and building credit

Benefits:

-Quick and easy to acquire

-Unsecured

-Flexible terms and payment plans

-Streamlined process

-Quick

-Unsecured

-Easy approval

-Flexibility with spending and paying back

-Potentially low interest rates

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Business Line of Credit

Investment Property Financing

SBA Loans