A Merchant Cash Advance is not a business loan, but a method of financing
whereby a business owner agrees to sell his future receivables at a discounted rate.
The merchant has several ways of paying back the advance including split funding
from their credit card terminal, ACH fixed amounts from their bank account and
lockbox methods. Prior to the advance being paid off, the merchant also has an
opportunity to renew his/her advance and obtain additional funds.

MCAs are a great short term option for generating cash flow when your business
needs it the most. Since the merchant advance is not an actual business loan, this
means that there is no collateral attached to it, and thus it is an unsecured
advance and is not tied to any personal or business assets. Without the right
financial planning, MCAs can sink your business but we will show you how to use it
to build your business when you need it most.


  • 3-5 Months of Bank Statements
  • 3-5 Months of Credit Card Statements (if required)
  • Articles of Incorporation
  • In Business for 6 months+
  • 1 -2 Years of Tax Returns
  • 4-18 Months Terms
  • Credit Score: 500+