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What Is A Merchant Cash Advance & How Do They Work?

    Chris Motola
  • 5 comments
  • Updated on:
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Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.
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5 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Mike Davis

    A merchant cash advance is very helpful for business owners who are looking for a small business loan. We have been working as MCA call center from the USA. Thanks for this article. We are trying to startup “MCA Leads Gateway” and found this article most helpful.

      Tak Ogihara

      hi, great article. Can you now point us in the right direction for finding and choosing the right merchant cash advance?

        This comment refers to an earlier version of this post and may be outdated.

        Bianca Crouse

        Hi Tak,

        I’d recommend taking a look at our merchant cash advance comparison chart and our full list of MCA reviews.

          This comment refers to an earlier version of this post and may be outdated.

          Sam Fisher

          For somethings like this, is it always a variable payment? I’d think that you would want a fixed payment so that way you could plan your budget accordingly. However, I’m sure that it works out either way.

            This comment refers to an earlier version of this post and may be outdated.

            Bianca Crouse

            Hi Sam,

            Merchant cash advances are always variable. The idea is that the repayments will fluctuate along with your cash flow. However, most cash advance providers also offer a fixed fee short term loan, which is like a cash advance, but repayments are fixed. And you are correct, a lot of people prefer the fixed repayment method over the variable method of merchant cash advances.

              This comment refers to an earlier version of this post and may be outdated.

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