Merchant Cash Advance Business Loans Frenso, CA

As an alternative to other business financing options, business owners oftentimes turn to merchant cash advances when they need to infuse some quick cash into their companies. Basically, a merchant cash advance is not a loan. It is the sale of a percentage of a company’s future credit and/or debit card sales. As a result, companies that provide these cash advances are not typically bound by the usury laws of the state that they are located in. Those laws limit banks and lenders from charging excessive or usurious interest rates.

Merchant cash advances were originally set up in the form of a lump sum payment in exchange for a percentage of the company’s future credit and/or debit card sales. However, the terminology now applies to a number of financing options geared to smaller businesses that need shorter payment terms and smaller monthly payments. These factors are not commonly associated with the more traditional financing and loan options that are currently available. The term “merchant cash advance” is also used to describe receivables and revenue factoring as well as short-term business financing and lending.

The Benefits of Merchant Cash Advance Funding

Financing is one of the most crucial aspects of starting up a business and there are a number of options that are currently available to aspiring entrepreneurs. One such option is the merchant cash advance and it is one of the best ways for you to obtain anything and everything necessary to starting up your business. Based on the fact that you can get the funding you need to expand or start up a business, it is similar to a small business loan.

However, the key difference between a merchant cash advance and a small business loan is that the latter requires collateral in order to secure it whereas a cash advance is unsecured. Unlike the more traditional business loans, the merchant cash advance is based entirely on that company’s cash flow. The primary benefits of this type of funding include:

  • No demands for equity ownership shares in the company
  • No investigation of you and your company is required

It is the cash flow that is generated from your credit and debit card sales that merchant cash advance approvals are based on.

Let us help you get started with Cash Advance Funding

With the many financing options that are currently available to existing and start-up businesses, it may seem like an insurmountable challenge to select the best financial solution for your business. And that is how Biz4Loans can help you. We can evaluate the specific funding needs of your business and help you to determine which financing option is the right choice. You can contact us by e-mailing us at or you can call us to get started today.

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