Products
Merchant cash advance (MCA)
Definition
A merchant cash advance is the purchase of a portion of a business's future receivables at a discount, repaid as a share of ongoing sales.
Structurally an MCA is a purchase of future revenue rather than a loan, which is why it is priced with a factor rate and repaid as a percentage of sales or as fixed periodic payments derived from them.
The practical consequence is that repayment flexes with volume: slower weeks produce smaller remittances where the structure is a true percentage of sales.
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