Functionally, a merchant cash advance is similar to business cash advances, except the small business borrower receives an advance on future credit card sales. A business cash advance is repaid as an automated, fixed daily or weekly withdrawal based on cash flow.

The funding partners we work with primarily offer business cash advances with a few offering the option of a credit card split similar to an MCA. This method permits the financier to take their agreed-upon percentage directly out of a business’s credit card revenue each day.