Frequently Asked Questions (FAQs)
No credit checks or collateral. Unlike banks, MCA providers take on all the risk. If a business closes or defaults, the loss is total. Higher risk justifies higher cost.
Near-instant access to funds with minimal paperwork. Speed adds operational costs - think of it as a "fast-track fee."
MCA collects based on fluctuating daily sales, so recovery is slower and less predictable than loans.
No compounding interest: MCA pricing is fixed and disclosed (e.g., $20,000 × 1.20 = $24,000). No compound interest traps - just a flat, transparent cost.
MCA helps with urgent needs like payroll, supplier opportunities, or renovations when banks can't act fast enough.
MCA = High risk + High speed + High
flexibility, and the cost reflects this combination.
- Clear Legal and Ethical Standards: MCAs are 100% legal, state-regulated financing options with transparent contracts, automated repayments based on sales.
- Better Alternative to Credit Cards: Unlike credit cards, which often come with higher interest rates and lower credit limits, MCAs provide larger funding amounts with a fixed, transparent cost and no compounding interest.
- Speed and Convenience: MCAs offer near-instant funding with minimal paperwork, helping businesses meet urgent needs like payroll or supplier opportunities. This fast access comes with a higher cost of funding — think of it as a “convenience fee.”
- Repayment Flexibility: Repayments are a fixed percentage of daily sales, offering flexibility to manage cash flow but possibly extending repayment time.
- Transparent Pricing: MCAs have fixed, upfront costs with no compounding interest or hidden fees—for example, borrowing $20,000 at 1.20 means repaying $24,000 total.
Why Choose an MCA Over Risky Alternatives? MCAs are legal, transparent, and business-focused—unlike loan sharks, which use hidden fees and aggressive tactics.
No tax returns are required. We only look at bank or POS sales records. It has nothing to do with the IRS or government
Yes, as long as some deposits go into a bank or POS system, you may qualify.
We don’t strictly rely on credit scores. If your sales are steady, you have a good chance.
No. Just communicate with us in advance. We can adjust the repayment amount or defer payments temporarily.
Yes. Some plans offer early repayment discounts. Once you've repaid a certain percentage, you may qualify for a renewal with higher limits and better terms.