MERCHANT CASH ADVANCE
Quick Funding Solutions Based on Your Future Sales
With competitive terms and a focus on your financial well-being, Foretrust Funding's Merchant Cash Advance (MCA) funding is the stepping stone to achieving your financial dreams.
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a traditional business loan. Instead, it’s a lump sum of capital provided by an MCA company—not a bank or lender—in exchange for a percentage of your future credit and debit card sales, along with a fixed fee.
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Repayment is typically made daily or weekly and is automatically deducted from your sales through your payment processor. Because payments are based on your actual sales volume, they adjust with your business: if sales slow down, your payments decrease accordingly. This flexibility can ease cash flow pressure—but it may also extend the time it takes to fully repay the advance.
Advantages of a Merchant Cash Advance?
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Quick Access to Funds – Get the capital you need fast, often within a few days.
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Easy Approval Process – Minimal paperwork and fewer requirements compared to traditional loans.
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Bad Credit Friendly – Approval is based more on sales performance than credit score.
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Flexible Use – Use the funds for inventory, equipment, marketing, or any other business need.
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Sales-Based Repayment – Payments adjust with your daily or weekly sales, easing cash flow during slower periods.
How Does a Merchant Cash Advance Work?
A Merchant Cash Advance (MCA) provides a lump sum of capital that you repay through daily or weekly payments.
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Repayment usually works in one of two ways:
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A percentage of your daily or weekly credit and debit card sales is automatically withdrawn from your merchant account until the full advance, plus fees, is repaid.
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Payments are withdrawn directly from your bank account via ACH, regardless of your sales volume.
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Unlike traditional business loans, MCAs don’t come with fixed repayment terms or set annual percentage rates (APRs). Instead, the repayment timeline depends on your sales performance.
