Merchant Cash Advance

A merchant cash advance was originally structured as a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales. The amount you can get from an MCA ranges from a few thousand dollars to over $200,000. Keep in mind, however, that the payback time is usually very short—18 months or less, in most cases. Instead of an interest rate, MCAs are based on a factor rate. A common factor rate may fall between 1.2 and 1.4. These rates are applied to your MCA to calculate the total cost of your loan. For instance, a $25,000 MCA at a factor rate of 1.25 gives you a total repayment amount of $31,250 ($25,000 multiplied by 1.25). The cost of this loan would be $6,250.


Getting a merchant cash advance is typically a fairly quick process. If you’re approved, you should receive your lump-sum payment within a few business days of applying. Documentation needed during the application process may include:

Proof of your identity (such as a state-issued ID)
Three Months of Bank and credit card processing statements
Business tax returns-(Not Always Required)

Also, your business needs to have $10,000 In Monthly Credit Card Sales and also to have
6 Months In Business.


The amount you can get from an MCA ranges from a few thousand dollars to over $200,000. Keep in mind, however, that the payback time is usually very short—18 months or less, in most cases.

To pay the money back, the lender will typically take a percentage of sales, usually on a daily basis. Repayments may come out of your connected merchant account and are calculated based on sales processed through credit or debit card cash register sales. In this case, cash or check sales don’t count toward the daily quota.

Please Note: A Merchant Cash Advance is only available to those businesses that process credit cards for payment. If your business doesn’t take credit cards, an MCA will not be available to you.

Let’s Talk About Your Business Needs Or Project

1. Restaurants

Restaurants can have significant ups and downs when it comes to cash flow. Due to this, many restaurant owners purse merchant cash advances. Since most restaurants accept credit card payments, this product is a great fit. It coincides with the pace of a restaurant’s sales, so they aren’t remitting an amount that they can’t afford.

There are many ways that restaurants can utilize merchant cash advances. If you want to generate more sales and reach new customers, consider investing in a food truck. More than 2.5 billion people grab meals from food trucks each day, making it a popular trend for restaurants to pursue. Using your merchant funding, you can pay for your food truck, and the extra inventory and staffing needed to operate it.

2. Retail Stores

Like restaurants, retail stores can experience volatile business trends. If you own a retail business that occasionally experiences a lull in sales, having added finances could help you ensure that your retail store remains operational. Since many customers pay for items with their credit cards, a merchant cash advance could be a viable option.

With merchant funding, your retail store can invest in inventory that customers appreciate. In the past, you might not have been able to afford reordering items that sold out. Once you receive a cash advance, you can comfortably restock inventory, and in-turn make more sales.

3. Salons

When patrons visit your salon for manicures, massages, and other types of pampering, they likely pay via credit card. Due to the volume of these credit card payments, you could qualify for a merchant cash advance!

Using merchant funding, you can update your salon equipment, hire additional technicians, or pay for new marketing materials. Having loyal customers is pivotal to the success of your salon, so try to use your merchant cash advance in ways that will lead to customer satisfaction. Of course, like the other industries mentioned, salon business owners can use their merchant cash advance to afford consistent costs such as rent, inventory, and payroll.

4. Auto Repair Shop

When pursuing traditional financing from a bank, collateral can be a requirement. This makes repaying debt risky for small business owners in the auto repair industry. If you’re unable to repay your debt, the bank could confiscate machinery, equipment, and other expensive components that are needed to conduct business.

To avoid this, apply for a merchant cash advance. Most likely, your clients pay for repairs with their credit cards, so you’ll be able to remit a percentage of these sales until you satisfy your obligation, eliminating the fear of not being able to meet a strict payment schedule.


Simple Qualification

1. $10,000 In Monthly Credit Card Sales
2. 6 Months In Business
3. 3 Months Of Bank Statements


How It Works

Our lenders are still eagerly funding deals. Here is an overview of our process to get you funded.

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Tell us about your business. Tell us about you. We will send you any forms that you need to docu-sign or documents you need to submit to put your funding package together.

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Follow Up

We will follow up with you through your preferred method of communication.

Details of the Merchant Cash Advance Deal

Receive your funds.

Our technology makes it possible to have your funding decision or pre-approval within hours. Funds for business loans are available in as little as 24 hours. Funds for Real Estate Loans are usually available within 14-21 days.

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If you have $50,000 or more in high-cost business debt and are struggling to make your payments, we can help you reduce your payments by 40 to 60 percent


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Rifi Capital is an online funding consulting company that assists business owners, real estate investors and consumers with Business Loans, Commercial Capital Loans,
and Personal Debt Consolidation.

We perform this service for you at no out of pocket costs to you.

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