Merchant Cash Advances: The Capital Necessary to Succeed

Take your business to then next level with a fair and reasonable cash advance

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Expand Your Business

More and more frequently, businesses are choosing to use a merchant cash advance (MCA) for stimulating growth – whether that’s opening a new branch of a successful store, or simply upgrading their existing equipment to make work more efficient.

An MCA can help kickstart your expansion into new markets, or even further establish yourself in your industry. Sometimes all it takes is a little money to get things rolling.

Learn How to Grow With an MCA
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Get The Funds You Need Now

If you’re operating an established business and need to quickly build capital, a merchant cash advance could be exactly what you’re looking for. However, they’re not for everyone – so it’s best to understand the difference before diving in headfirst.

Note: If you’re a startup with no credit history, you’ll need to look into other methods. Generally speaking, advances are reserved for companies that have proven themselves profitable over (at least) a brief period of time. However, getting a merchant cash advance with bad credit is still possible.

Find Out if You Qualify
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Pros of a Merchant Cash Advance

There are several benefits to using an MCA as a business owner:

1. No collateral (unlike a traditional bank loan)

2. Fast (you’ll receive your advance within 24-48 hours of being accepted)

3. No fixed monthly payments (great for companies driven by seasonal business)

4. One alternative if you don’t qualify for a loan

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The Cons of Using One

With those benefits come a handful of less desirable characteristics:

1. Higher APR than a standard loan

2. You’re tied to the same processor until your contract is over (this could be anywhere from 4 months to 1.5 years depending on the terms of your contract)

3. Possibility of legal trouble for merchants trying to push cash sales instead of letting payments occur naturally


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Is a Cash Advance Right for You?

At the end of the day, you’ll have to sit down and weigh your options if you need additional funding for your business venture. A merchant cash advance is just one way of making it happen (albeit an increasingly popular one).

Before you pull the trigger on anything, it’s a good idea to evaluate what’s the best fit for your company.

Between loans, advances, private equity, crowd funding, and even asking family and friends, there are ways out there to get your hands on cash. If an MCA is what you decide on, we got you covered.

Apply for Your Cash Advance Today
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Why PayMotile?

"PayMotile has helped us out tremendously with our payment processing. They were able to provide us with a total of three merchant accounts, each of which help secure our business's current and future needs. We can now accept payments internationally as well as here in the US, and we don’t have to worry about processing limits anymore! Our experience has been very positive, and I am extremely satisfied with their work."

"We were unexpectedly shut down by PayPal because of the specific products we offer and sell. My sales representative at PayMotile worked with me to help ensure we could still get a merchant account. We have been successfully processing now for 14 months. The team members at Motile were informative, professional and most importantly – they were able to provide us with the credit card services we needed to save our business."

"PayMotile moved quickly and professionally in assessing our payment needs. Pricing was easy to understand and the service was excellent."

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