Business Funding - Alternative Financial Solutions LLC

In pursuit of quick capital infusion, businesses often turn to a merchant cash advance (MCA), an alternative to traditional term loans that leverages future receivables & credit card sales.

Merchant cash advances serve as an alternative financing method, often favored by businesses seeking to bypass the complexities and delays linked with conventional loans. These advances are utilized across various business needs, from acquiring inventory and equipment to facilitating staff recruitment, retention, and fostering expansion initiatives. MCA is also a great alternative for businesses being delayed on a receivable(s) and has immediate obligations where they need liquidity to continue on with business.

A merchant cash advance (MCA) isn’t a loan; it’s an arrangement where a business ‘sells’ a portion of its future receivables. In return, the business receives a lump sum of money that is due to be paid back over terms up to 24 months.

Most MCA’s have strong early payback discounts that are incorporated into each deal. This helps borrowers save money by not taking the deal to term. Another highlight is that a majority of banks will turn business owners away when seeking loans.. MCA offers business owners the liquidity they need by employing lenient approval terms for credit and background checks.