Compare

MCA vs.
line of credit

An advance is one lump sum repaid from sales. A line of credit lets you draw and repay as you go. Here's how they compare.

Side by side

	Merchant Cash Advance	Line of Credit
Structure	Purchase of future receivables	Revolving credit
How you get funds	One lump sum	Draw as needed, up to a limit
Payment	% of daily or weekly sales	Fixed payments on what you've drawn
Cost	Factor rate on the full amount	Interest only on what you draw
Speed	Same day	Days to set up, then instant draws
Best for	A one-time, urgent need	Recurring, unpredictable gaps

Illustrative. Lines of credit are coming to Tovah; your offer shows the structures available to you today.

Rule of thumb

One urgent gap with uneven revenue → MCA. Recurring gaps you want to cover as they come → a line of credit.

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