- What is a merchant cash advance?How an MCA works, how it is repaid, and its main limitations.
- MCA factor rate and total paybackTurn a factor rate into total dollars owed and an illustrative payment.
- MCA vs. business loanStructural differences, cost measures, and state disclosure rules.
- Daily vs. weekly MCA paymentsFixed and percentage remittances, reconciliation, and cash-flow fit.
- How to compare business funding offersNet proceeds, total payback, schedule, fees, and risk terms.
- MCA contract terms to questionGuarantees, confessions of judgment, withdrawals, and default terms.
- Renewals, stacking, and early payoffWhat to ask before taking a second advance or paying one off early.
- How to prepare for a business funding inquiryDefine the need, review cash flow, and verify who receives your information.
Where to start
If you are new to merchant cash advances, read how an MCA works and how the factor rate determines total payback. If you already have an offer, use the comparison guide and the list of contract terms to question.