What is a Merchant Cash Advance?
A Merchant Cash Advance is an innovative alternative to a traditional small business loan. UCC utilizes your expected future credit and debit card sales to be able to provide you with working capital so you can put your business plans into action.
Instead of fixed daily payments, the repayment for an MCA is completely flexible and works alongside your natural cash flow. During the length of your payback period, a small percentage of your daily credit/debit card sales is withheld until the advance is paid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down
Top 5 Benefits of Merchant Cash Advance
High Approval Rate: A merchant cash advance approval is based on business performance rather than personal credit, time in business or financials.
Fast Funding & Easy Renewals: Our business funding programs can have money in your bank in as little as 72 hours. Once you are approved you can renew your advance when 50% of your balance is paid down.
Simple “No Hassle” Payback: With a merchant cash advance there is no need to write a check every month, your payments are automatically held from your credit card transactions. There is no fixed monthly payment.
Revenue Based Collections: With a merchant cash advance, we get paid when you get paid. Our payment is a percentage of your daily sales, so if you have a slow month you are paying back less, if you have a good month, you are paying back more. This flexible structure allows businesses to always be able to afford the payments.
No Credit or Collateral on the Line: Unlike a commercial business loan, a merchant cash advance is actually a sales transaction, so they are not reported on credit reports. There is also no collateral required as is often the case with a business loan.
How does a Merchant Cash Advance work?
When you apply for a merchant cash advance, we review your recent months of debit and credit card processing to determine an approval amount. Then, we advance you capital that you can use for any business expense and pay back through a small, fixed percentage of your future credit card sales. Plus, there is no need to change your credit card processor.
Since the repayment is a fixed percentage, the amount adjusts to the ups and downs of your daily payment card volume. If you have a good day, you pay back more on your advance. If your sales are slow, well, you pay back less. Regardless, you will have enough cash flow to deal with your day-to-day business functions. You can even get additional capital before your advance is paid off!
Getting working capital with a merchant cash advance is easy!
Pre-qualification in 2 minutes or less
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