What is a Merchant Cash Advance (MCA)?

An MCA provides businesses with a lump sum payment in exchange for a percentage of future sales, typically through credit card transactions, offering quick access to capital without a traditional loan.

What are the benefits of using an MCA?

Benefits include fast approval, flexible repayment tied to sales volume, and no requirement for collateral, making it attractive for businesses with fluctuating sales.

What risks are associated with MCAs?

Risks include higher costs compared to traditional loans, as MCAs often have high factor rates, potentially burdening cash flow if sales slow down.

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