Glossary
Purchase of receivables
A purchase of receivables is a transaction where a funder buys a set amount of a business's future sales for a lower amount paid today. It is the legal structure behind a merchant cash advance.
In plain terms
The funder buys $130,000 of your future receivables for $100,000 today. You deliver the $130,000 as sales come in.
Why it matters when you're getting funded
Because it's a purchase, not a loan, different rules and disclosures can apply. Your offer states the structure clearly.
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