Take Control of Your Business Finances Today
Customized Debt Restructuring Solutions for Businesses
Our services provide instant relief. We work with you and your merchant cash lender to lower your payment obligations. Your business will see immediate increases in cash flow.
We renegotiate the payment terms and can often arrange for MONTHLY payments, instead of burdensome daily drafts.
We are the last alternative to bankruptcy for many struggling businesses. Let us save your livelihood.
About Merchant Cash Advance
What is Merchant Cash Advance?
Merchant cash advance is a fast and flexible way to finance your business. Instead of a traditional loan, you receive an advance based on your future credit or debit card sales.
Examples and Uses: Ideal for purchasing inventory, expanding operations, or managing cash flow during peak seasons.
How Does Merchant Cash Advance Work?
Step 1
e-Filing
The process is simple and straightforward. Apply online.
step 2
Approval
Receive an offer
step 3
Funds
Once accepted, get your funds quickly.
step 4
Payments
Payments are automatically made with a percentage of your daily sales.
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Stress-free process
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Business Line of Credit
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A business line of credit gives you continuous access to funds. Use it to manage cash flow or make important investments when needed.
Other Financial Solutions
We offer a variety of financial solutions tailored to your needs. From short-term loans to equipment financing, we have what you need.
General Questions
FAQs
A Merchant Cash Advance (MCA) is a financing option where businesses receive a lump sum of cash in exchange for a portion of their future sales. This type of advance is typically repaid through a percentage of the business's daily credit card sales.
- Application: Businesses apply by providing basic information and sales data.
- Approval: The provider assesses the business’s credit card sales and offers an advance.
- Agreement: The business agrees to repay the advance with a percentage of future sales.
- Repayment: Repayments are automatically deducted from daily credit card sales until the advance is fully repaid.
- Quick Funding: Receive funds faster than traditional loans.
- Flexible Payments: Repayments are based on daily sales, easing cash flow management.
- No Fixed Payments: Payments fluctuate with sales, making it easier during slower periods.
Any business with consistent credit card sales, such as retail stores, restaurants, and e-commerce sites, can typically qualify for a Merchant Cash Advance. Specific eligibility criteria may vary by provider.
The amount you can borrow is usually a percentage of your monthly credit card sales. Providers typically offer advances ranging from a few thousand to several hundred thousand dollars.
- Recent bank statements
- Credit card processing statements
- Proof of business ownership
- Business license
Repayments are a fixed percentage of your daily credit card sales. This percentage is agreed upon during the approval process and continues until the advance is fully repaid.
While MCAs provide quick and flexible funding, they can be expensive. The cost of an MCA is higher compared to traditional loans, and businesses must ensure they can handle the repayment structure without affecting their cash flow.
You can apply directly through providers like Credibly, Fundbox, Clarify Capital, Bluevine, and Ondeck. Each provider has its own application process, typically available online for convenience.
We offer a seamless application process, competitive rates, and exceptional customer service. Our goal is to help your business grow by providing the funding you need, when you need it.
Besides Merchant Cash Advances, we offer:
- Business Lines of Credit
- Equipment Financing
- Invoice Financing
- Small Business Loans