Glossary
Merchant cash advance
A merchant cash advance is a purchase of a business's future receivables at a discount. It is not a loan. The business remits a percentage of sales until the purchased amount is delivered.
In plain terms
You receive funds now in exchange for a fixed amount of future sales. Remittances track your sales, so slow days cost less. There's no interest rate and no fixed maturity date.
Why it matters when you're getting funded
Advances fund fast and suit uneven revenue, but usually cost more than a term loan. If your revenue is predictable and you have time, compare a term loan first.
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