Merchant Cash Advance

Business Loans, Financing, and Lines of Credit up to $5M

Often times, small businesses are beset upon by situations where there is a cash shortfall or urgent need for some type of cash advance.

In some instances, there is no collateral and most of the business income is from credit or debit card sales. In other instances, there may be a lack of creditworthiness or some type of issue that prevents qualifying for a regular bank loan.

01.

Request Funding

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02.

Receive Funds

Our funding specialist evaluates your business and provides a decision. Receive funding in as fast as 24 hours

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03.

Ongoing Support

Get help from dedicated Loan Specialists which can help you to understand ways to scale your business.

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Providing business loans, financing, and lines of credit up to $5 Million Get Funded Today!Apply Now 

Merchant Cash Advance Benefits

Merchant Cash Advance can come in nicely. It is usually a lump-sum amount that can be used in any way the merchant desires, and is considered a “short-term” loan. Often times it is provided in exchange for a predetermined percent of future credit card and/or debit card receivables. The term of the merchant cash advance loan is usually no longer then 24 months, but usually ranges from 3-12 months, unlike more conventional loans that are often times much longer.

Top Questions For Merchant Cash Advance Options

Even though a Merchant Cash Advance is not technically considered a loan, vendors can and often do charge an interest rate which can be much higher than a standard loan interest rate. That is usually off set by the fact that the repayment is directly related to what is sold. That means that is sales are high, the repayment amount is higher, if the sales are down, the repayment amount is, likewise, lower. In those types of situations, it is beneficial to be able to repay at an amount that is relative to the amount of income thereby leaving more funds for day to day operations.
That’s a great question and one that is easily answered. The vendor who issues the merchant cash advance, institutes the agreed upon percentage which is automatically deducted from the actual sale at the time it is processed. There is nothing for you to keep track of. Statements are sent to which account for each transaction and advise you of the totals and balances. In some cases, the sales are split with part going to the business owner and the other part going to the financing vendor. Usually, the merchant cash advance is deposited into the finance companies account and then redeposited back to the merchant, but, it’s a less desirable method as it creates a delay in the funds getting back to the merchant.
That can be determined by the amount of time it takes to repay the merchant cash advance. When sales are slow, the repayment will be slow, which means the advance will take longer and cost more than expected. In addition, if the majority of sales are not from credit or debit cards, that too will slow down repayment and increase the costs. Even though it is a quick type of loan, and there is no threat of losing your home, it’s still something that has to be watched closely to ensure it doesn’t get out of hand. The best time to apply for a Merchant Cash Advance is before you need it. Don’t waste time and allow things to slip even farther behind, call now to ensure you have the funds that you need when you need them. Call Dynamic Capital today and get your approval now!

Additional Funding Options

Business Loans, Financing, and Lines of Credit Products

Dynamic Capital provides a full range of business financing options, which ensures that merchants find the right financing option. Our experienced funding specialists guide our customers into selecting the best suited loan product for their needs.

PDF Application

Expedite the funding process. Download the upload it as part of your online funding request.

SBA Loans

Long-term, low-interest small business loan partially guaranteed by the government.

Merchant Cash Advance

Lump sum of capital you repay using a portion of your daily transactions.

Equipment Financing

Loan to purchase new business equipment while using that equipment as collateral.

Inventory Financing

Business loan that uses your existing inventory as collateral to provide your business with working capital.

Business Lines of Credit

Flexible, revolving capital that works similar to a credit card, except you get access to cash and lower APRs.

Business Credit Cards

Fast and easy way to access a revolving business lines of credit with monthly payment terms.

plus-sign merchant cash advance - plus sign - Merchant Cash Advance

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