A Merchant Cash Advance (MCA) is an innovative alternative to a traditional small business loan. US Capital Group of America 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 MCA funding 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 are withheld until the advance is paid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down.

Benefits Of A Merchant Cash Advance:

  • Based on debit and credit card sales
  • Working Capital from $5K to $500K
  • No collateral required
  • No restrictions on the use
  • Early payoff discounts
  • Frees up other forms of small business financing

Frees Up Other Forms Of Small Business Financing

Another benefit of a merchant cash advance is that your business can use other types of financing at the same time as a merchant cash advance, which can be useful for lots of businesses. For example, if you have a business line of credit or even an equipment lease in place already, it’s possible to add a merchant cash advance for more cash flow at the same time.

A Merchant Cash Advance Is Right For You If:

• Your business accepts credit cards as a form of payment from customers

• You are looking for something that is flexible

• If you struggle with your credit and have a poor credit history

• Your sales tend to fluctuate and so you want to pay as you go

Can I Get A Merchant Cash Advance?

If you are a business owner that accepts credit cards to take payments from customers, you’ll be able to apply for a merchant cash advance, as a matter of fact, any business owner that receives payment via a card terminal can get a merchant cash advance. A lender can see what the business makes over an average month, they can agree on a mca funding amount and a repayment plan much faster and easier than with other options, so a merchant cash advance is a great solution for businesses that don’t have valuable assets, poor credit or just need cash fast.

How Do I Qualify?

  • You’ve been processing credit cards for at least 90+ days
  • You process at least $5,000 in credit card sales per month
  • No bankruptcies