{"id":228,"date":"2023-06-27T09:59:53","date_gmt":"2023-06-27T09:59:53","guid":{"rendered":"https:\/\/usexpressfunding.com\/?page_id=228"},"modified":"2025-01-08T23:19:52","modified_gmt":"2025-01-08T23:19:52","slug":"mca","status":"publish","type":"page","link":"https:\/\/usexpressfunding.com\/?page_id=228","title":{"rendered":"MCA"},"content":{"rendered":"\t\t
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What is a merchant cash advance?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A merchant cash advance gives a business access to capital fast to meet their business needs based on future credit card receivables. The way this business cash advance works is it gives a business access to funds in a fast and simple way in return for a portion of the business\u2019s future revenue receivables at a discounted price. To be approved for an MCA, certain criteria must be met. An important criteria, among others, is that the business must accept credit card payments or have other receivables.<\/p>

At US EXPRESS FUNDING, applying for an MCA is very fast and convenient, and can be done from your mobile device, tablet, or computer. Applying can be done from our online portal and should take just a couple of minutes . Our merchant cash advance amount starts at $5,000 and can range up to $200,000.<\/p>

Which business is ideal for this type of small business financing? Businesses who accept credit card payments and are in need of fast access to capital funds are ideal candidates. Remember, aside from being simple and having a much easier application process, a merchant cash advance provides flexibility. The reason an MCA provides flexibility is because the advance has variable payments based on business receivables. If your business has high credit card sales, lots of receivables, or is seasonal, then a merchant cash advance might be ideal for the business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Flexible Payments<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Automatic payments calculated based on a percentage of the business\u2019 credit card sales or other revenue receivables<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Estimated Completion Date**<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Payments are based on the businesses receivables so there is no fixed payment term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Cost and Fees<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The receivables are purchased at a discounted price and fees may be charged and deducted from the advance amount<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A Business Line of Credit Grants Continuous Access to Working Capital When You Need It Most<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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US Express Funding line of credit is extremely flexible and gives your business access to the working capital it needs, when it needs it most. As mentioned, a business line of credit is ideal for repeat cash flow needs. It\u2019s also a great option for obtaining working capital to pay for unexpected expenses or exciting new business opportunities. US Express Funding offers and facilitates access to financing from $5,001 up to $250,000*. Best of all, the amortization terms can vary from three to eighteen months*. Payments on the outstanding balance can be made with fixed daily, weekly, or monthly payments that are automatically withdrawn from the business bank account on file*.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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MCA Q&A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does a merchant cash advance work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

A merchant cash advance works by granting businesses access to working capital in return for a portion of their future credit card or other receivables at a discounted price. Small businesses can apply online and, if approved, we\u2019ll send the funds to the business bank account provided.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho can apply for a merchant cash advance?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

A small business that wants to apply for a merchant cash advance must have accounts receivable such as credit\/debit card sales and invoices. After they apply, the alternative funder will need to review credit card processing statements, business bank account statements, invoices, and other important documents.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I get a merchant cash advance with low credit?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

While many small business funding companies use personal or business credit as a factor when looking at your financing application, it\u2019s not the only determining factor as to whether an application is approved or not. Most alternative small business funders take into consideration the overall performance of your business by looking at business revenue, time in business, accounts receivable, and business credit history.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can my business benefit from a small business cash advance?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Merchant cash advances allow access to quick working capital with flexible payment options that tend to be more flexible than traditional small business loans. With upfront access to working capital, businesses can more quickly fund their needs. By basing payments on a portion of future receivables, it allows for more flexible payments. Cash advances are ideal for businesses that are seasonal or have high credit card sales\/lots of receivables.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

What is a merchant cash advance? A merchant cash advance gives a business access to capital fast to meet their business needs based on future credit card receivables. The way this business cash advance works is it gives a business access to funds in a fast and simple way in return for a portion of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-228","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=228"}],"version-history":[{"count":22,"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/228\/revisions"}],"predecessor-version":[{"id":354,"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=\/wp\/v2\/pages\/228\/revisions\/354"}],"wp:attachment":[{"href":"https:\/\/usexpressfunding.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}