Programs for the file in front of you.
Three programs, one underwriting desk, same-day decisions.
Merchant cash advance
A merchant cash advance, also known as an MCA, is the purchase of an agreed-upon amount of a business's future credit card or other receivables for a specified discount amount. The advance is repaid by ACH debit on a daily, weekly, or bi-weekly basis for an agreed percentage of receipts.
Good for
- Expanding a location or fleet
- Fixing a business problem fast
- Bridging cash flow while waiting on receivables
Consolidation
A merchant cash advance consolidation combines multiple MCAs into one advance with one repayment schedule and one factor rate. Usually the consolidation has a lower rate and a longer term than the business was paying on the previous advances.
Good for
- Merchants carrying several daily payments
- Files that need a longer term
- Cleaning up positions before growth capital
Construction funding
Getting approved for construction funding is a challenge because of a constantly changing industry. We provide the construction capital needed from a project's start to its finish.
Good for
- General contractors and subcontractors
- HVAC, plumbing, and electrical
- Project-based cash flow gaps
Side by side
| Program | Funding range | Repayment | Decision |
|---|---|---|---|
| Merchant cash advance | $15K – $3M | Daily, weekly, or bi-weekly ACH | Same day |
| Consolidation | $15K – $3M | One schedule, one factor rate | Same day |
| Construction funding | $15K – $3M | Structured to the project | Same day |