A Merchant Cash Advance (MCA) provides eligible businesses with access to working capital based in part on future business sales or receivables. Unlike a traditional business loan, a merchant cash advance is generally structured as the purchase of a portion of future receivables, providing businesses with an alternative way to access capital.
MMP Capital helps business owners explore merchant cash advance options for working capital, inventory, payroll, marketing, unexpected expenses, expansion, and other time-sensitive business needs. Our team works to understand your business, financing needs, and objectives and help identify a capital solution appropriate for your circumstances.
A merchant cash advance may be an option for businesses with consistent sales or receivables that need access to capital and whose financing needs may not align with a traditional business loan or line of credit.
BUSINESS PERFORMANCE IS REVIEWED
Business sales, receivables, operating history, and other factors may be evaluated to determine eligibility and available funding.
REMITTANCES ARE MADE FROM FUTURE RECEIVABLES
The purchased amount is remitted according to the terms of the merchant cash advance agreement. The specific structure, frequency, costs, and terms vary by provider and transaction.
CAPITAL IS PROVIDED UPFRONT
Once approved and the transaction is completed, the business receives an agreed amount of capital to use for eligible business purposes.
Is a merchant cash advance a business loan?
No. A merchant cash advance is generally structured as the purchase of a portion of a business’s future receivables rather than a traditional loan.
What can a merchant cash advance be used for?
Depending on the financing provider and agreement, businesses may use available capital for working capital, inventory, payroll, marketing, expansion, unexpected expenses, and other business needs.
How do businesses qualify for a merchant cash advance?
Eligibility varies by provider. Factors may include business sales or receivables, operating history, financial performance, and other underwriting considerations.
How much can a business receive through a merchant cash advance?
Available funding depends on the business’s financial profile, sales or receivables, provider requirements, and other underwriting factors.