Resources
Understand before you apply
Plain-language guides to how merchant cash advances actually work.
- 01
What Is a Merchant Cash Advance?
The basics of how an MCA works and how it differs from a traditional loan.
- 02
MCA Factor Rates Explained
How factor rates are calculated and why they aren't the same as an interest rate.
- 03
Factor Rate vs. APR
Why a 1.30 factor rate and a 30% APR are not the same thing — and how to think about the difference.
- 04
Merchant Cash Advance Repayment Explained
How daily and weekly repayment actually works, and what determines how long it takes.
- 05
Questions to Ask Before Accepting an MCA
A short, practical checklist to run through before you sign anything.
In progress
More guides are in progress. Planned next:
- Merchant Cash Advance Requirements
- What Documents Are Needed for an MCA?
- How Fast Can Business Funding Happen?
- How Much Can a Business Qualify For?
- Merchant Cash Advance vs. Business Loan