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Merchant Cash Advance (BUSINESS BORROWING BASICS 2018)

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Webinar Description:

Financing through a merchant cash advance (MCA) is used mostly by companies that accepted credit and debit cards for most of their sales, typically retailers and restaurants. The concept is this: funder purchases a portion of the company’s future credit card receivables for a discounted lump sum. The MCA funder receives the purchased credit card receivables as they are generated either by taking a percentage of the company’s daily credit card proceeds or by debiting a certain amount of funds from the company’s bank account. Depending on the risk profile of the company, it can be a more expensive form of financing for a business compared to other types of financing. This webinar explains the nuts and bolts of MCA financing, its pros, and its cons. It explores the documentation that is necessary to enter into such an arrangement, including how to negotiate that documentation.


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Slides for this webinar, and all Financial Poise webinars, are free to view. The reader is cautioned, however, that the true value of Financial Poise webinars is the conversation, not the slides. All slides are copyrighted and may not be reproduced without written permission from Financial Poise.