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Merchant Cash Advance

 
 

Merchant cash advances provide small businesses with an alternative from traditional bank loans. Business owners receive funds as a lump sum upfront from a merchant cash advance provider and repay the advance with a percentage of the business’s sales

 
 

Merchant Cash Advance Details

 

LOAN AMOUNTS

$2,500 – $500,000

INTEREST RATES

10 – 350% APR

REPAYMENT TERMS

3 – 36 months

TURNAROUND TIME

1 – 7 days

Pros

  • Fast access to cash
  • Flexible repayment terms
  • Strong credit not required
  • You choose how to use
  • No collateral required
  • No personal Guarantee may be required
  • No UCC may be filed

A merchant cash advance is not a business loan but should be considered a cash advance based on the volume of your credit card receipts. The funding provider gets paid back by taking a portion of your future credit card sales each day. You can usually get approved in a day or two—with very little paperwork. But you’ll likely pay for this convenience in higher interest rates. Because this option is more expensive than some other options, it’s a good way to take advantage of a short-term opportunity that requires fast cash.