Merchant Cash Advance is a common financing option for businesses that want to have direct funding repaid in smaller payments, versus typically large standard payments. Cash advances of this type are not a loan, it’s a sale of a portion of future credit or debit card sales the business expects to make. Businesses benefit by spending less time on applications and paperwork, getting faster approvals, and by receiving funds quickly.

This structure has some advantages over the structure of a conventional loan. Most importantly, payments to the merchant cash advance company fluctuate directly with the merchant’s sales volumes, giving the merchant greater flexibility with which to manage their cash flow, particularly during a slow season. Advances are processed more quickly than a typical loan, giving borrowers faster access to capital. Also, because MCA providers typically give more weight to the underlying performance of a business than the owner’s personal credit scores, merchant cash advances offer an alternative to businesses who may not qualify for a conventional loan.

With a variety of value added services to offer, our staff is dedicated to delivering for our clients with unparalleled service, advanced technologies, and personalized solutions.  This is where the Commerce Point Capital difference can be most notably experienced, finding solutions to complex situations and delivering results quickly and affordably.

Contact our offices today to find out more about Merchant Cash Advance programs.