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Loan Amount
Up to $750,000
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Time to Fund
As Soon As 24 Hours
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Loan Terms
Up to 18 Months
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Factor Rate
Varies
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What Is a Merchant Cash Advance (MCA)?
A merchant cash advance is an advance of capital repaid using future earnings deposited into a business‘ merchant account.
Merchant cash advances are best for small businesses that need capital immediately to cover cash-flow shortages or short-term expenses. Merchant cash advances can be a great option for businesses that have high credit card sales volume, need funding quickly, and may not qualify for other small business loans. This type of financing can help businesses get the money they need to cover short-term expenses or to tide them over until they can get a traditional bank loan.
When to Use Merchant Cash Advances
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Businesses with bad credit scores or limited time in business
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Newer businesses with limited credit history
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Businesses that need cash quickly to cover unplanned expenses
Minimum Qualifications for Term Loans
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Credit Score
Bad credit OK
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Time in Business
3+ Months
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Monthly Revenue
$10,000+
Lowered revenue considered