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*This business loan calculator assumes a monthly interest rate of 3.3%. Your interest rate may vary based on your application information.

Merchant Cash Advance

Merchant cash advances (MCA) are forms of small business financing in which a lump-sum payment is given to a business in exchange for an agreed-upon percentage of future sales. While these merchant cash advances can be fast and easy to qualify for, they tend to come with high payments and contingencies that the purchaser will require you to follow. Different types of small business loans are better for different types of merchants. Merchant cash advances are generally best for business owners with lower credit, because credit scores are not as important as sales projections when determining eligibility.

How Merchant Cash Advances Work

Small business owners can apply for an MCA and have an upfront sum of cash fairly quickly. In return for that lump sum cash advance, businesses agree to pay the MCA provider back with a percentage of daily or weeekly credit card sales, plus fees, until the advance is paid in full. Because repayment is based upon a percentage of the daily or weekly balance in the merchant account, the more transactions a business does, the faster it's able to repay the advance.

Merchant cash advances are suitable for a wide range of businesses, such as restaurants or retails shops whose revenue comes primarily from credit card sales. However, the rates on merchant cash adcances are typically higher than other types of alternative business loans and the costs may lead to a debt cycle for some businesses that they have to refinance into another business cash adcance in order to repay the debt, which can cause cash-flow problems or put them at risk of default. Before turning to a merchant cash advance, small business owners can seek out alternatives, such as a flexible line of credit from Headway Capitl that allows you the freedom to operate your business the way you see fit.

Get Funded with Headway Capital

A business line of credit is a good option for small businesses that experience ups and downs. Many seasonal retail business that thrive in the summer months rely on lines of credit to offset the lack of steady revenue during the “off” months. A line of credit can give them access to funds to continue paying their bills on time. It also gives them credit to purchase inventory or hire additional staff, if needed, so they can be ready when peak season begins again. When that time comes, they’ll be in a position to comfortably pay off their balance.

Headway Capital offers a business line of credit up to $100,000, and if approved, you can get the money by the next business day and access your line of credit whenever you want through your online account. This way you can borrow the amount you need (up to your credit limit) when you need it, and build your business at your own pace.

  • 1

    Apply online for a credit limit of up to $100,000. When we evaluate your application, we consider more than just your credit score.

  • 2

    You borrow through your online account. You can draw money as often as you like, up to your available credit limit, with funding by the next business day.

  • 3

    You choose from several flexible repayment options. As you repay your outstanding principal, that money becomes available for you to draw again.

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